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Long Term Care Insurance Planning
Protect Your Future
Long - Term Health Care Planning
Why do people need Long Term Care services?
- They suffer illness, disability, stroke, heart attack or injury and are not able to perform 2+ Activities of Daily Living at home.
- An unexpected accident that necessitates a nursing home stay.
- Alzheimer’s disease or Senility.
What is Long-Term Health Care?
With the effects of aging, Long Term Care needs result from the inability to care for oneself because of unexpected, prolonged illness or disability requiring Temporary or Permanent Assistance to perform Activities of Daily Living (ADL) - bathing, continence, dressing, eating, toileting and transferring. Assisted Care can be in an Assisted Living Facility, in an Adult Day Care Center, in a nursing home, in an extended care facility, Or Hospice help at home.
Who Will Need Long-Term Health Care?
- FACT: 80% of all Americans age 65+ will require care in a convalescent/nursing facility or home care sometime during their lifetime.[1]
- 7 out of 10 couples, by age 65, can expect at least 1 partner to be confined to a nursing home.[2]
Won’t My Savings Cover My Medical Expenses?
- A Nursing Care Facility can cost up to $96,000 a year
- In less than 1 year, 50% of all those entering a nursing home will have exhausted their assets
- Only after this “spend down” will Medicaid/Welfare provide assistance.[3]
- Medicare pays only 2% of all skilled nursing care expenses, and nothing for custodial or intermediate care - the type of care most people require.
What Are My Options?
- Deplete My Personal Assets
- Depend on My Family (willingness, time & ability) and My Family’s Assets
- Medicare/Medicaid “after” depleting my personal assets
- Transfer the” risk” to a trusted Private Insurance Agency
1. Elder Care: Making the Right Choice, Time Magazine, August 30, 1999 2. Addressing the Need; A Proposal of Long-Term Care, CNA, 1991 3. The Insider’s Guide to Long-Term Care, 1993 4. Listed in the “National Underwriter,” by Retiree Groups and Consumer Organizations
Erica L. Salda, CSA,
President/Founder
E PRO Insurance Agency, LLC
463 Los Feliz Drive
Santa Barbara, CA 93110
P: 805-679-EPRO (3776)
F: 805-967-6254
erica@eproinsuranceagency.com
Personalized Retirement Options
License #0652408