Health Insurance is NOT enough.
Some health plans may pay for certain medical services, but limits apply. Health plan coverage denies claims for extended care, so protect yourself with LTC Insurance TODAY! more

Long Term Care is expense!
Currently, the cost of Long Term Care cost approximately $38-$100,000 per year. Usually people will stay longer than one year in a LTC facility. This cost can easily diminish your and your families life savings.

Medicare helps, right?
Wrong! Medicare will only help for a specific amount of time (see below). Medicare will only pay benefits if you and your families assets are below the federal poverty level. These assets include your savings, home, college funds and other assets and investments.

Medicare benefit limits:
Medicare will cover 100% for the first 20 days. Then for the next 80 days they will pay all but $95 dollars. After the total of 100 days (20 + 80) Medicare WILL PAY NOTHING! Scary isn’t it?!

• Medicare Facts:
  Below are some additional facts about medicare:
• Medicare only pays for skilled care.
• It does not pay for non-skilled care.
• Almost 70% of elderly depend on it.
• Medicare is a welfare program, so your assets must be below poverty.

• 69% of single people will exhaust their assets after 13 weeks of care.
• 34% of married persons will exhaust their assets after 13 weeks of care.
• 1 out of every 2 people will need Long Term Care in their lifetime.
• Families live farther apart these days, which makes it harder for them to take care of each other day to day.
• Most families savings cannot last more than 1-2 years of care costs.
• Policies for younger people should have inflation of benefits included.
• Long Term Care Insurance inexpensive, yet the alternative can be devastating.
• You can’t purchase LTC Insurance after a crisis has begun.
• American’s have the best health care available, if they apply for it.