Did you know why you may need Long Term Care insurance?

4. How is Your Health? AIDS, AIDS related complex or positive HIV test Alzheimer ’s Disease Amyotrophic Lateral Sclerosis Cystic Fibrosis Dementia Huntington’s Memory Loss Mental Retardation Multiple Myeloma Multiple Sclerosis Muscular Dystrophy Myasthenia Gravis Parkinson’s Disease Schizophrenia Scleroderma Spinal Cord Injury Stroke / CVA Have you ever… Within the past 10 years…

5. EARNINGS ON INVESTMENTS EMERGENCY FUNDS Self-Insured When it’s gone it’s GONE Protect your assets and your emergency fund Share the Risk

6. LONG TERM CARE: DID YOU KNOW? WHO PAYS?

7. LONG TERM CARE: DID YOU KNOW? Home Health Care Assisted Living Facility Adult Day Care Nursing Home Care STAGES OF CARE

10. LONG TERM CARE: DID YOU KNOW? 60% 65 and Older 40% Working Age Adults Ages 18 – 64 1 America’s Health Insurance Plans (AHIP). Guide to Long-Term Care Insurance . 40 percent of the 13 million people receiving Long Term Care services are between the ages of 18 and 64 1

11. LONG TERM CARE INSURANCE Can you think of anything else other than the cost of long-term care that could “involuntarily” wipe out your life savings and take away your independence? THE FOUR MAJOR RISKS TO YOUR RETIREMENT PORTFOLIO Risk Insurance Home Fire Yes Major Auto Accident Yes Short Term (Hospital) Care Yes Long Term Care Not Yet, Why? Some people think it’s Health Insurance but it’s really Wealth Insurance

12. SOLUTIONS Be Rich Be Poor Be Insured If you do not have insurance, you ARE the insurance company

16. NATIONAL DAILY CHARGES FOR NURSING HOME CARE $212 $189 $194 $184 $164 $158 $144 $180 $157 $157 $170 $195 $156 $167 $137 $126 $126 $182 $145 $132 $131 $116 $206 $161 $157 $164 $167 $186 $150 $183 $158 $159 $180 $153 $165 $170 $188 $210 $298 $275 $135 $233 $275 $216 $321 $255 $208 $264 High Low Medium MetLife Market Survey of Nursing Home & Home Care Costs 2007 Let’s now look at the cost of care in our area

17. Long Term Care