06/02/2010
Planning
Specialist
Long Term Care
Protection
Relieve financial burden
Preserve care choices
Retain dignity
Declare independence
Ensure quality of life
Medicare does not provide extended home care
Protect Your Assets!
Protect Your Lifestyle!
Many people mistakenly believe they’re already covered!
• Social
Security doesn’t cover it.
• Routinely,
private medical and major medical insurance plans do NOT cover long term care.
• Medicare
covers a limited convalescence.
• Disability
insurance is a minimal, temporary, fixed reimbursement.
• Medicaid
requires asset liquidation and state reimbursement.
• Personal
savings, speculative investments, stocks, bonds, real estate, and other assets
offer no guarantee.
Clearly, our population is living longer than ever. Greater
life expectancy means a greater likelihood of sustaining illness or accident,
requiring critical home or extended care.
You certainly know friends or family members who have
experienced this kind of crisis. Sudden illness or injury can happen at any
age. The odds of entering a nursing home for longer periods increase with age.
Responsible Planning requires:
Securing, preserving and protecting family assets from
unforeseen, indeterminate medical expense.
What is Long Term Care?
Providing for future necessities:
Household tasks
Managing activities of daily living
Driving
Supervising medication intake
Correspondence
Managing long-term physical illness, any disability, or
memory impairment.
Customized long-term care assistance
Choosing long-term care is a HEALTHY decision. You must plan
before a long-term care crisis occurs. Planning means you have, and continue to
have control.
PROFESSIONAL proven, tested, dependable, carefully developed
recommendations available in:
Home Care
Community-Based Services
Housing for Aging and Disabled Individuals
Board and Care Residences
Assisted Living
Continuing Care Retirement Communities
In-Law Apartments
Skilled Nursing Facilities
Planning Myths
Q. I will move in with my family.
A. Current generation family members are commonly
unable/unwilling to provide care.
Q. I’ll never need it.
A. Future life prediction is a scientific impossibility.
Q. I have dependable funds.
A. Current economic conditions are deteriorating 401Ks and
pensions by a conservative 65%
(Barron’s).
Q. I anticipate excellent health.
A. Health change comes without warning, even to very young
people.
Q. My children will take care of me.
A. Unqualified, untrained, well-meaning relatives cannot
administer specialized medical requirements.
Q. I can’t afford premiums.
A. Cost of care is expensive.
Comprehensive policies guarantee prompt benefit payments, at
a fraction of consumer cost.
Prompt planning
guarantees peace of
mind!
Certified by the California Partnership, Health Advocate,
Public Health Educator, Health Products Specialist and recognized industry
speaker, Rena Adelson has consulted in health issues for over 30 years.
Certified LTC Professional, Certified Senior Advisor, member of the Los Angeles
Association of Health Underwriters, and Independent Insurance Women, Rena
attends Senior Financial, and Legislative Research at UCLA School of Public
Health to examine current trends in medical funding.
Since 1973, she has used innovative consultation sessions,
meets clients' evolving needs, reveals the truths of estate assets lost, and
future rationed care under Medicare's obsolete bureaucracy. This high level of
experience, and insider knowledge enhance quality of life, allowing the best
value available, minimizing the financial and emotional burden to family.
Her elite group of “Top Rated” Companies includes
Transamerica/ Occidental, GenWorth Financial, Insurance Company of N. America, John Hancock, MetLife, Blue Cross of
California.
Protect your assets
Protect your family
Protect your lifestyle
Stay in your home
For the next 50 years
Rena Adelson
Long Term Care Advisor
Retirement Planner & Coach
office (818) 989-3398
rena@renaLTC.com
www.renaLTC.com
This site is produced to provide help and direction to those seeking initial information on this critically important aspect of medical care --- Long Term Care Insurance.
