DeFuso Insurance And Retirement Services  
AN AGENT YOU CAN COUNT ON          OUR FOCUS IS ON YOUR PRIORITIES  
     (704) 483-2691











Average cost of a long
term care stay in NC is
between $3,000 and
$5,000 a month.



Medicare and secondary
insurance to Medicare DON'T
pay for extended care in
long term care facilities.




Many people living in
North Carolina are
exhausting retirement
funds paying for a loved
one in a long term care facility.



Would you ask your
child to leave their
career and family to
care for you
knowing how it could
effect your
grandchildren financially?


If you had a serious
stroke but could learn
 to tell your spouse,

"I love you" again.....
 are you sure your child
has the skills to make
that happen if you count
on them to care for you?



Long term care
situations are
devastating to
American families
every day.

Contact
DeFuso Insurance
 to get a better
understanding of the
risks and the rewards
from proper planning.

It's more affordable
than you think.




    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
Lincolnton, NC
704-483-2691
888-882-1364
info@defusoinsurance.com


OUR MOTTO:

 DO THE RIGHT THING, THE FIRST TIME, EVERY TIME




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