"Ten Reasons Why I Chose Long-Term Care Protection”

"So I will not be a burden, financially or emotionally, on my children for my care. I cannot know the personal responsibilities my children could themselves be facing in the future.”Many seniors are living in the homes of their children, because they cannot afford the cost of Home Health Care, or a quality LTC facility.

"I have definitely enjoyed my career as a Nurse, but the daily requirements have really worn my body down to the point, I have developed some lasting physical challenges.” ANA surveyed RNs in 2011 to determine workplace hazards and compare results to a similar 2001 survey. Results from over 4600 responses indicate that the work environment has improved overall, especially the availability of mechanical lifting technology and needles with engineered safety protections. Yet, Nurses are increasingly developing back, neck and shoulder pain on the job and health and safety concerns influence their decisions to continue to practice.

"I cannot expect Medicare to cover my expenses in a Nursing Facility.” Medicare covers less than two percent of all Nursing Home expenditures. In fact, the average Medicare recipient’s LTC benefit is only 17 days.*

"To protect my 401K, 403B, or other savings program I have worked for most of my life.” One third of all seniors who enter a Nursing Home, will be impoverished within 13 weeks of going in.*

"To preserve my estate for my family.” Most people would rather leave their estate to their family or charity, rather than spend it on the escalating costs of Long-Term Care.

"To have the opportunity to choose Home Health Care, Assisted Living, or select the Nursing Facility of my choice, not available with Medicaid.”Once a person enters a facility, completes their asset "spend-down” and eventually goes on Medicaid, the Government will decide which facility and location that the individual can receive benefits. Of the total Nursing Home expenditures, 49.6% come from Medicaid.*

"Because I know the chances of me needing to file a claim for Disability Insurance are 29% but, the chances of me needing to file a claim for Long-Term Care benefits are over70%.”At any time now, or, when you retire from your Nursing career, your Long-Term Care Nurse Advocate will still be ready and available to assist you with personal questions, or other types of assistance.

"Because I am reasonably healthy and I can qualify now. Many who are seeking LTC protection, cannot qualify for LTC coverage because of health related problems.

"Because at my age, Long-Term Care is less expensive now, than it will be at my next birthday.” The younger you are when you enroll, the lower the premiums are for your LTC protection for the rest of your life.

"The chances of me needing Home Health Care, Assisted Living, or Nursing Home Care have tripled since 1983.” Actuarial studies show that due to increasing advancements in Medical Science, which can result in longer life spans, 70% of individuals, or, nine out of ten couples, will need Long-Term Care services at some point in their lives. For women who have reached age 65, it’s 79%.*

* U.S. Department of Health and Human Services, 2014