Facts About Long Term Care Insurance
Did you know that there are 300 million Americans in the U.S.A? More than 150 million people have either type II diabetes, high blood pressure or cholesterol problems, which can cause a heart attack or stroke.
Sickness and accidents can happen at any age. Our government tells us that 7 out of 10 people will need long-term care in their lifetime. 4 out of 10 people needing care are between the ages of 18 and 64.
Are you prepared for the tremendous cost of long-term care?
Custodial Care – the inability to perform activities of daily living, such as bathing, dressing, toileting, feeding, transferring from a bed to a chair – common everyday things we do, without thought.
Custodial care is not covered (or sometimes very limited) by most major medical plans, Medicare, Medicare Supplements, HMO’s and PPO’s. The cost for this care can be financially devastating to you and your entire family. The only way to protect yourself is with a long-term care policy.
Care today can cost between $3,000 to over $6,000 a month. That’s $36,000 to over $72,000 a year. Can you afford these costs? It’s easy to budget a premium, tough to budget a claim.
Long-term care policies are very affordable. Let Allied and Associated Health
Services custom design a plan for your needs, as well as your wallet. We represent many major companies with long-term care – John Hancock, Met Life, BlueCross BlueShield, Med America, Genworth Financial and more.
Most Frequently Asked Questions
1. At what age should I buy long-term care?
ANSWER: Now – The younger you are, the cheaper the premium, and you’re locked into your age at time of sale.
2. Is the long-term care policy good anywhere?
ANSWER: Yes – Most companies offer worldwide coverage.
3. If I need care, must I go to a nursing home?
ANSWER: No – The policy covers care in various places, such as your home, assisted living facility, nursing home, retirement home, Alzheimer’s facility, and adult day care centers, based on your health condition and your doctor’s recommendations. (95% of people will receive care in their own home.)
4. Am I restricted to how many hours I can receive care?
ANSWER: No – Your doctor decides, based on diagnosis, whether you need care from 3 hours a day to 24 hours a day (live-in care).
5. Am I better off waiting until I’m sick?
ANSWER: Absolutely not – you may not qualify for a policy.
Get the facts to protect your assets and to maintain a lifestyle of independence and dignity.
Allied and Associated Health Services, Inc., since 1977, Service, Service,
Service is our business. “When you’re at your worst, Allied is at their best”.
No matter where you live in the U.S.A., we’re only a telephone call away to help set up care with a qualified agency that is licensed and insured. We make sure they take assignment on your policy so you don’t have to write checks weekly; and we work with them to file the claims from start to finish – a free service we provide to all of our policyholders.
For more information, contact Allied & Associated Health Services, Inc.
DON’T WAIT UNTIL IT’S TOO LATE!
Toll Free 1-800-626-6568