Everyone deserves long-term care education and everyone needs a plan for long-term care. Whether that plan involves long-term or extended health care insurance is your choice.
What is your plan to protect your most important asset - your family?
Myth: Long-term care insurance is for the elderly and frail.
Reality: 43% of all people in this country receiving long-term care services are under the age of 65.*
Myth: Chances are that I won't need care.
Reality: 70% of individuals over age 65 will require some type of long-term care services during their lifetime.**
Myth: Long-term care insurance protects you.
Reality: Long-term care insurance protects your most important asset - your family - from the financial, emotional, and physical consequences of needing extended care. It allows your family members to supervise your care, not provide it.
Myth: Long-term care insurance is expensive.
Reality: Long-term care insurance is affordable and is only expensive if not designed appropriately.
Myth: Medicare, Medicaid, or private insurance will cover any future extended care costs.
Reality: None of these programs are intended to cover the cost of long-term custodial care. In fact, the only ways to pay for extended custodial care are self-funding (out-of-pocket), with long-term care insurance, or a combination of the two.
Myth: Long-term care insurance is something to be purchased after age 60.
Reality: You are never as young and as healthy as you are today. Most people wait too long to consider long-term care insurance, then find themselves uninsurable.
Ask yourself . . .
Why would I want to own a long-term or extended health care insurance policy?
Do I want to risk losing my life savings, retirement income, and my independence to the greatest single financially devastating event of my life?
If I could find an affordable way to transfer this risk, as I do my homeowners and auto, why wouldn't I?
To learn more about this educational program or to schedule your personal and complimentary long-term and extended health care educational session, you can contact a Certified Long-Term Care Specialist (CLTC):
Edward Althof, CLU, CEBS, CLTC
(814) 833-5433 or toll free (877) 718-9935
ealthof@LSinsure.com
Michael Ocilka, CLTC
(724) 212-3707
mocilka@LSinsure.com
Jennifer DeForce, Long-Term Care Coordinator
Gannon Class of 1995
(814) 833-5433 or toll free (877) 718-9935
jdeforce@LSinsure.com
Michael Beuchert, CLU, LUTCF, CLTC
Gannon Class of 1971
(814) 833-5433 or toll free (877) 718-9935
mbeuchert@LSinsure.com