The Risk & Challenge for Today's Family
Throughout the United States, there is growing concern about the high costs of long term health care, and the effect these costs may have on retirement security, quality of life and family budgets.

For the Retired, or Soon to Be Retired Person
The costs of long term health care may represent your greatest threat to financial security, particularly during retirement years, and the risk of needing such care may be much higher than you realize.

About 40% of the elderly will spend time in a nursing home, some for relatively long periods. based on an average stay of 2.5 years, the cost could be from $75,000 to $250,000. Importantly, these costs are increasing due to inflation. Medicare is directed toward hospital and physician expenses, and pays only a small percentage of these costs. Unless you qualify for the Federal-State welfare program known as Medicaid, most long term care expenses must be paid by the patient from personal or family assets.

For the Working Age Person
Automobile accidents and serious health problems create the need for long term health care for people of all ages. Traditional medical insurance normally does not cover such expenses which may present a serious threat to family assets.

Many families today are involved with caregiving, or the care of an older family member or friend. This is a situation which could affect virtually all of us at one point or another. When it does involve us, it can clearly make a difference in whether we are able to work productively, or whether we are able to work at all.

CONSIDER THE ADVANTAGES OF A
LONG TERM CARE POLICY

It may be wise to consider the advantages of a private insurance policy which is designed to help pay the expenses of long term care.

Now Available to Association Members
Now, a program offering an individual long term care insurance policy is available to association members (and their employees and extended family) from PFL Life Insurance Company, one of the largest providers of LTC coverage in the nation.

After careful review, your association has endorsed a long term insurance policy that is available to you with discounted premiums, and special underwriting considerations may also apply.

This Insurance May Help Protect Your Financial Security in the Following Ways:
Help protect your assets and savings from the costs of long term care, both during your working years and during your retirement.
Help to relieve you of financial and personal burdens when an insured family member requires long term care services.
There are many other advantages, and we encourage you to review the full information available from a licensed representative approved by the association.

For complete details, please visit Tom Walters and Associates Insurance website and/or fill out the form below: