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Long Term Care Insurance
According to the U.S. Dept. of Health and Human Services, at least 70 percent of people over age 65 will require some long-term care services at some point in their lives.  Unfortunately, Medicare and private health insurance programs do not pay for the majority of long-term care services that most people need, including  the most basic things, such as help with  dressing or using the bathroom independently.  
Planning now is a must to make sure you'll have the assistance you'll most likely need.

56% of adults aged 45-54 and 39% of adult over 55 do not have enough money to finance their future long term care costs. 

(Wall Street Journal Online/Harris Interactive Personal Finance Poll, Jan. 2009)

The national average for monthly nursing home costs in 2009 was $75,000 (2009 MetLife Mature Market Institute Study)

Why do you need it?
After years of hard work buidling their retirement savings, many Americans find their finances wiped out by the high costs of long-term care. Planning now can protect your retirement savings and any financial legacy you hope to pass along to your heirs.

Many people associate Long Term Care only with nursing homes. Yet Long Term Care also includes services provided in the home, assisted living facilities and community-centered facilities. Chances are, you’re most likely to receive care in your home, with an aid coming to help with everyday things like cooking and cleaning, and Activities of Daily Living (ADL’s) which are eating, bathing, dressing, transferring, toileting, and continence.  

Long Term Care Insurance can help you:

• Avoid becoming a burden to your children and family. 

• Protect your Nest-Egg (Savings), IRA's, 401K, CD’s, Stocks.

• Avoid depleting your savings, losing your home, and then receiving potentially substandard care from a Medicaid nursing home.

• Maintain your independence and dignity by receiving home health care in your own home where you are most comfortable. This will protect your quality of life and reduce the stress levels for your family.

8147  Delmar Blvd., Suite 217, St. Louis, MO 63130
  call: (314) 727-9293 
e-mail: fishmanlawfirm@aol.com
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© 2011 The Fishman Financial Group