Are you prepared for the future?  What are your plans about LTC?Learn about your Short-Term Care and Long-Term Care options...

WHAT EXACTLY IS SHORT-TERM CARE INSURANCE?

Short Term Recovery Care - An Affordable Alternative to Long-Term Care Insurance

Part of smart retirement planning is making sure that precautions have been taken to guard against the possibility of an unexpected injury or prolonged illness. According to the American Association of LTCI, 42.8% of all patients admitted to nursing care facilities stay for less than a year. As life expectancies extend and the level of available care rises, elderly patients can be treated and recover from just about anything, including heart attacks or strokes. Extended hospital stays and lengthy recovery times can be expensive, and any uncovered, out-of-pocket expenses will mount quickly. A single event, even a knee or hip injury, could lead to a period of recovery devastating to any healthy retirement fund.

Fortunately, there is a solution. Short Term Recovery Care products are an excellent way to limit exposure to unforseen and potentially devastating nursing facility costs. These types of policies provide inexpensive coverage for any incident that may result in a short term recovery situation.

Some people look to Long Term Care policies to protect their assets from potential medical misfortunes caused by stays in a nursing facility. But any comprehensive Long Term Care product will come at a steep price. A Short Term Recovery Care plan can be a sensible alternative for someone who cannot afford the high premiums of Long Term Care plans. Most Short Term Recovery Care plans are very affordable, some with monthly premiums well under $100. Their benefits can be comparable with some Long Term Care plans when short stays are required, and they can provide comprehensive coverage as well. If a person feels that affording a Long Term Care plan is quite a reach, or if they are not comfortable with higher premiums, Short Term Care could be the answer as a very affordable option.

It's really great to know that multiple coverage options exist for a variety of situations. Short Term Recovery Care policies extend the luxury of versatility to many people. They are extremely effective policies for their price structure, powerful enough to provide coverage which could save lots of money, yet inexpensive enough to be affordable.

While Short Term Care Insurance plans are very effective as a stand-alone product, they even fit nicely with some Long Term Care Insurance plans. Besides granting an important need, Short Term Care Insurance plans make an invaluable addition to any retirement plan.

Long-Term Care Insurance Health Qualifications - Are you even insurable?

When it comes to Long-Term Care Insurance, there's an old saying, "your money pays for it, but your health really buys it." That's because there are certain pre-existing health conditions that can make it impossible for you to health qualify. But if you are in relatively good health, now is the time to start the process. Click here to complete our simple information request and get the ball rolling.

Most people have some health issues...maybe a bit of hypertension for which you take medication...maybe you even had cancer some years ago. Even people with health conditions may still qualify for long-term care insurance but it really pays to talk to a long-term care professional with access to multiple insurers.

Health underwriting standards vary from one insurer to another. And they change from time to time. So you need someone with current expertise who will shop the market for you before you apply. You'll save time. You can save money. And, you'll avoid being declined.

Here's important information: your good health can get you preferred health discounts that will save you significant dollars. Plus, you lock them in. You can't lose the good health status even if your health changes at a future date.

A recent study conducted by the American Association of Long-Term Care Insurance revealed the percentage of applicants who qualify for good health discounts and the percentage who were declined. It's clearly to your benefit to start the process at younger ages, certainly while in your 50s. Pre-existing conditions can make it impossible for you to health qualify. If you have any of these health issues, it generally won't pay to take the time to request a quote for long-term care insurance.

Do not fill out the form if you currently: use a multi-pronged cane, crutches, oxygen, walker or wheelchair.

Require assistance with: bathing, dressing, feeding, toileting, or transferring between a bed or chair.

Use or need: home health care, adult day care, assisted living or nursing home care.

Require assistance with: grocery shopping, use of transportation, use of telephone or banking.

Do not fill out the form if you currently have: AIDs or HIV Infection, Alzheimer's Disease, Amyotrophic Lateral Sclerosis (ALS), Cystic Fibrosis, Dementia, Hemophilia (other than Von Willebrand disease), Active Hepatitis C, Non-A, Non-B, or Autoimmune, Kidney Failure, Liver Cirrhosis, Memory Loss, Mid-Advanced Multiple Sclerosis, Muscular Dystrophy, Paralysis, Parkinson's Disease, Post-Polio Syndrome, Schizophrenia, Sickle Cell Anemia, Systemic Lupus Erythematosus.

If you are not insurable, then we are truly sorry. Regrettably, we talk to many individuals who cannot health qualify for long-term care protection. Please tell those you love about the importance of starting a long-term plan while they are younger and still in good health.

Call toll-free today!

877.441.4714

Is Long-Term Care important?

Rosalynn Carter, the former First Lady, put it so well when she said: "There are only four kinds of people in this world...those who have been caregivers, those who currently are caregivers, those who will be caregivers and those who will need caregivers."

Long-term care costs can devastate retirement plans and dreams faster than a bear market. Insuring what you've planned and worked so hard to build is a smart financial move. Will you be covered if you should require long-term care?

Americans are living longer and facing the important decision of whether to purchase long-term care insurance. Buy in your fifties when you're healthy enough to qualify and prices are lower.

Health insurance and Medicare likely will not cover your long-term care costs. Medicaid might but to qualify you must exhaust your assets. So what can you do?

In simple language and a helpful assessment of your needs we can do a comparison to help you with your long-term care insurance decision.

FACTS and STATS

The typical family caregiver is a 46-year-old woman caring for her widowed mother who does not live with her. She is married and employed.

She spends more than 20 hours per week providing unpaid care to her mother.

Approximately 60 percent of family caregivers are women.

The average length of caregiving is 4.3 years.

Thirty percent of family caregivers caring for seniors are themselves aged 65 or over; another 15 percent are between the ages of 45 to 54.

The caregiver time commitment can be substantial. The number of hours per week that family caregivers spend assisting a sick or disabled relative is:

• More than 40 hours ~ 29%
• 11 to 40 hours ~ 27%
• 5 to 10 hours ~ 22%

Caregivers are three times more likely to get sick; this risk does not end when the person they are caring for dies.

Family caregivers experiencing extreme stress have been shown to age prematurely.  This level of stress can take as much as 10 years off a family caregiver's life.

 contact us today!

What our clients and community are saying.....

Dear Ernie and Patti,

I look forward to seeing you at the upcoming Medicare workshop presentation, as always! We are getting so close to the start of our serious one-on-one work together!

With many thanks,

Deborah - Sedona AZ

Ernie and Patti,

Thank you, again, for keeping in touch. Please continue to do so. I find your information and contact supportive and consistently helpful.

Best regards,

Patricia - Scottsdale AZ

Ernie,

Thank you for the help. I couldn't have done all this without you.

Mary Ann - Phoenix AZ

Ernie and Patti,

Thank you for including me in your "Informant" newsletter. I appreciate the information and your continued interest in my well being. Thank you!

Regards,

Pat - Scottsdale AZ

Ernie,

You have been extremely helpful to my wife and myself with making choices for our Medicare supplement plans.  We recommend your services to all our friends.

Howard and Janet - Scottsdale AZ

Dear Ernie and Patti,

Thank you for helping us do a Part D prescription drug plan change. We've wanted to do this for some time but were overwhelmed by the complexities. We are happy with the plan and the convenience of how you handled our paperwork. We look forward to working with you in the future and certainly will refer you when the opportunity presents itself.

Warm regards,

Susan and Norman - Sedona AZ

Hi Ernie and Patti,

Finally got to read the December newsletter. I don't read everything, but most of it. Very professionally done as well as informative and interesting! Thanks!

Marilyn - Scottsdale AZ

Hello Ernie,

I was fortunate enough to attend a class you sponsored at the Sedona Library. I found it very infomative and helpful. Thank you.

Linda - Sedona AZ

Ernie,

Thanks for all your help and proding to get this done.

Paul and Paula - Payson AZ

Hi Ernie,

Just wanted to thank you for taking good care of my friends. They really thought you did a tremendous job and you really stepped over the threshold as far as I'm concerned. I really appreciate it, wanted to thank you for that and we'll be talking to you soon.

Bob Johnson - Johnson, Harris & Goff - Scottsdale AZ

Hi Ernie,

Just want to drop you a note to thank you for the birthday card you sent. So considerate and thoughtful of you to remember me. Also, I want to thank you for sending the informative newsletters. I very much appreciate receiving communication from you.

Regards,

Ellen - Scottsdale AZ

Good afternoon Ernie and Patti,

I'm calling about the wonderful ABC's of Medicare workshop that you hold at the Sedona Public Library every quarter. I missed the workshop today (May 2011) but am making sure the next two times for this year(Aug and Nov 2011) are on my calendar. I have benefited from your help in the past and look forward to continuing to benefit in the future as I get closer to Medicare sign-up. Thank you and have a wonderful day.

Deborah - Sedona AZ

Hi Ernie and Patti,

We received your email...thanks for keeping in touch and thanks for recently helping Sarah with some of my insurance issues. We certainly appreciate your assistance and follow through. Let us know when you will be in Prescott for your presentation and we may be there. Hope all is well with you.

Regards,

John and Sarah - Prescott AZ

Ernie,

You know more about Medicare than most anyone I know and you are very good at helping people sign up with the appropriate coverage. Medicare coverage and plans are so complex and change so frequently. I'm afraid that I am not as up to speed as I need to be; that's why you are on my speed dial!

Thanks,

Ted - Scottsdale AZ

Dear Ernie,

We saw our friend, Jason, yesterday and had a chance to tell him how pleased we are with your services.

Thanks,

Jeanne and Tom - Paradise Valley AZ

Dear Ernie,

We received the policy and are very pleased. We have heard very good things about Mutual of Omaha from a friend in the elderly care business. And, we're happy with the premium! Thanks for advising us so professionally.

Regards,

Amy and Richard - Phoenix AZ

Dear Ernie and Patti,

I learned so much at the workshop in Prescott. I need help buying additional coverage and need to do it soon. I will look forward to a phone chat with Ernie.

Best regards,

Judith - Prescott AZ

Dear Ernie,

Thanks for all of your help. We appreciate all of the time you've spent with us explaining everything, answering questions, etc. We also appreciate the fact that you did not "high pressure" us either. You need to be commended for both of these above comments.

Carol and George - Tempe AZ

Dear Mr. Bobel, 

Thank you so much for being so helpful and so pleasant in helping us find a replacement supplemental health insurance plan for our Medicare health insurance. Since my husband's job termination and hence loss of coverage, we have felt overwhelmed with "what to do" and you were wonderful (and calm) in helping.

With gratitude,

Anita - Gilbert AZ

To Ernie Bobel,

With an expression of grateful appreciation for outstanding participation in the community program sponsored by the Knights of Columbus, St. Bernadette Council #12164.

Kenneth, Grand Knight - Scottsdale AZ