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Long Term Care
Insurance
Since Long Term Care Insurance is the fastest growing
and most requested voluntary benefit in today’s
benefit marketplace, Americas Insurance Advisors and
Carolinas HealthCare System are pleased to announce
an Expanded New Program for this benefit.
Employees of Carolinas
HealthCare System now have access to the top Long Term Care Insurance
Carriers in today’s marketplace. These three
carriers offer discounted premiums to employees, spouses
and extended family members.
Why Long Term Care Insurance May Be an Important Benefit
for You to Consider
Today, more than 22 million households in America help
a family member or friend over the age of 50 with
activities of daily living that fall under the category
of Long Term Care.
Today’s
Working Caregivers |
A recent study of Working Caregivers
indicated they made a least one formal
adjustment to their work schedule as a
result of caring for a spouse or other
family member. |
| 16% Quit
Their Job |
20% Cut Back
to Part-Time |
22% Took a Leave
of Absence |
They also stated that care giving
affected their ability to advance on the job.
|
| 29%
Passed up a promotion, training opportunity
for advancement or a new assignment |
| |
|
|
| 25%
Passed up an opportunity for a job transfer |
| |
|
|
| 22%
Were unable to acquire new job skills |
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MetLife Mature
Market Institute, November 1999 |
Working American’s attitudes
concerning
Long Term Care Insurance
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|
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| 86%
of those surveyed think that providing long-term
care is a big problem. |
| |
|
|
| 82%
think it is irresponsible not to plan for
one’s own long-term care needs. |
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| 76%
say the cost of long-term care would significantly
reduce their retirement income and assets. |
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|
67%
believe the cost of long-term care is the
single greatest risk to their standard of
living during retirement. |
| |
| Only 12%
have made any financial preparation to cover
the cost of their long-term care needs. |
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Where to you stand?
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With the national average for the cost of skilled nursing
home care at $168 per
day and the average length of stay in
a skilled care facility being 2.7
years,
How much of your savings, retirement
funds or assets would be left after
spending $165,565 for
the average cost for long-term care.
Are you comfortable with your
averages?
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Understanding
LTC Insurance
1-888-859-7555
csr@americasinsuranceadviors.com
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