Member Benefits Scholarship Program Financial Services Identity Theft Shield / Legal Services Payroll Services Travel Medical Insurance Program Insurance Services  > Auto/Homeowners  > Life & Annuity   > Term Life   > Whole Life   > Universal Life   > Annuities  > Health   > Long Term Care   > Medicare Supplem.   > Dental   > Disability   > Critical Illness  > Endorsed carriers	Long Term Care Insurance We continue to read and hear about our aging population and the questions surrounding what will happen in the future. Have you taken the steps to make sure that you, your spouse, and your assets are protected? What is Long Term Care? Long Term Care is assistance you need when you are seriously ill or a disability renders you unable to carry out some of your activities of daily living. This includes assistance with your personal needs, comprehensive medical care at a hospice, nursing home, assisted living center, adult day care or home health and much more. Why should you consider long term care insurance? It's not just an elderly issue - 40% of all Americans receiving long term care services are between the ages of 18 and 64. Long term care services are expensive! In 2004, the average cost for nursing home care in Minnesota was $58,00/year. Costs are expected to triple in the next 20 years. Will you need long term care? 60% of Americans over age 65 will require some type of long term care in their lifetime and nearly 50% will spend some time in a nursing home after age 65. The solution! Long Term Care Insurance… LTC insurance provides you peace of mind and eases the burden on a spouse and/or family member should you require long term care. LTC protects your assets. It defrays or alleviates out of pocket expenses associated with long term care and hedges against the risk of depleting your life savings and retirement funds. It gives you choice! It encourages home care for as long as possible. You remain in control of when you get care, the type of care you receive and who will provide the care for you. Why purchase Long Term Care Insurance now? It is best to set a few dollars aside for premium today so that the money necessary to pay your LTC bills will be there when you need it. Apply for coverage now while your health is good. Take advantage of the tax benefits available to you with the purchase of your long term care insurance. Also, premiums will not get any lower…they will increase as your age increases! THE TIME TO ACT IS NOW! Our Board of Directors understands that people need a choice. Therefore, they have endorsed more than one Long Term Care Insurance provider. We are confident that we have a good fit for your needs as well as financially sound companies that have experience in the long term care field! To receive information on free Long Term Care workshops in your area or to have a licensed insurance representative in your area contact you with a free no-obligation quote, please complete and submit our on-line information request form.

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