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Financial Services | Long Term Care

HALF OF ALL AMERICANS MAY BE AT RISK
Statistics show that after age 65, 60% of all Americans will need long-term care services.¹ Almost three quarters will need some form of home health care,² with the average annual length of treatment being three years. The average cost for this treatment could exceed $250,000.³ And these facts are based on today’s health care rates. What about inflation?

THE CONCERN FOR THE WORKING AGE PERSON
Long-term care is not just for those who are older. Young people need long-term care due to illnesses, disabilities or injuries from automobile or sporting accidents. In fact, 40% of the people who need long-term care are 18 to 64.⁴ HMOs and traditional health insurance policies generally do not pay for long-term care services.

LONG-TERM CARE INSURANCE IS THE ANSWER
Long-term care insurance provides the protection needed to help relieve these costs. It’s coverage that is not included in Medicare or most Medicare supplements, and not included in most traditional health care insurance plans. Unlike these policies, a good long-term care insurance policy provides financial resources for in-home, assisted-living and nursing home care. It can be purchases by an individual, a couple or a loving third party on behalf of a relative. In short, it could help offset substantial long-term care expenses tomorrow. This policy is underwritten by Great American® Life insurance Company, a leader in long-term care
insurance.

CONTACT US FOR ADDITIONAL INFORMATION TODAY
Long-term care insurance is affordable protection that has brought FMFCU members such as you added peace of mind. Because of FMFCU Financial Services’ agreement with American Life, you will be offered this protection at a very advantageous price. Plus, discounted rates can be extended to your entire family. Just complete the attached reply card today and one of our licensed agent representatives will contact you. Your action could benefit your entire family for generations to come.

1 Making the Case for Long-Term Care Insurance – Cary P. Swider, April 2003
2 Long-Term Care for the Elderly with Disabilities—Robyn I. Stone, August 2000
3 Health Insurance Association of American Consumer Information, Guide to Long-Term Care Insurance – January 2002
4 The Wall Street Journal, October 22, 2001
Policy Form 2LTCIP0001 (may vary by state). Exclusions and limitations apply. Consult your insurance agent for full details.