Fox & Hayward Insurance Service Inc. and 4longtermcare.com are members of the Carlsbad Chamber of Commerce. Penny Fox Smith & Susan Marie Hayward started specializing in Long Term Care and Home Health Care Insurance protection in 1984.

As their parents aged, they learned about senior insurance health care needs, and the Medicare benefits Social Security provides.


Penny & Susan were able to help their parents and decided to provide educational seminars as a service to help others understand what is available. A lot has changed since 1984. The government and insurance companies have improved benefits and provided partnership, non-tax-qualified and tax qualified options for long-term care insurance as well as discounts for groups and associations.