|DeFuso Insurance And Retirement Services|
AGENT YOU CAN COUNT ON
OUR FOCUS IS ON YOUR
Long Term Care
People looking into their retirement years protect and insure what's most important in life:
« Car..... Auto Insurance
« Home..... Home Owners Insurance
« Family and Kids..... Life and Health Insurance
« Estate Transfer Issues..... Additional Life Insurance
« Salary/Income..... Disability Income Insurance
« Retirement Plan/Portfolio..... ?????
If you or your spouse had a serious illness that required extended care in a nursing home or assisted living facility....
How would that cost of care effect your family and your retirement portfolio?
The expense to your portfolio as well as the effects psychologically and emotionally to family members who already have busy lives can be devastating. A long term care experience doesn't bring the family together, it breaks the family down. The burden of caregiver duties are seldom shared equally among family members and often are placed solely on your daughters shoulders.
People don't decide to go to a nursing home. Their caregivers make that decision once the task of caring for you has overburdened their finances, families and even personal health. The cost of care in the North Carolina area ranges from $3000 to $5000 a month and more depending on care needed and facility.
You need to know the facts so you can replace the misconceptions of who pays for long term care.
Don't be fooled anymore, this is your financial burden. Medicare pays for only a limited time of extended care and only if it's at a level defined by Medicare as SKILLED care.
BENEFITS TO HAVING A PLAN FOR LONG TERM CARE CONCERNS:
« Maintain your dignity and independence when you may need it most
« Protect your family members and their life styles from having to care for you
« Preserve your assets so you don't outlive them
« Recieve Care at home and avoid the nursing home
« Have choices in your life, don't depend on the government or health welfare
ARE YOU SURE THE PICTURE OF YOUR RETIREMENT IS CLEAR?
DeFuso Insurance And Retirement Services
DO THE RIGHT THING, THE FIRST TIME, EVERY TIME