By special arrangement, your association has endorsed an outstanding program offering Long Term Care insurance to members and their families.
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 care giving, 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.
For complete details, please visit Tom Walters and Associates Insurance website and/or fill out the form below: