Go Back to Awareness Month

Long-term care planning - It's time to start


Dear [NAME],


The time to plan is now. November has been declared Long-Term Care Awareness Month because even the U.S. Congress recognizes the importance of making people aware of the risks and costs associated with long-term care.As a professional committed to helping people protect themselves against the risks of long-term care, I encourage you to take this topic seriously.It can impact you and loved ones.

Some things I believe you need to know about long-term care:

You're probably not covered. Many people mistakenly believe they are covered for long-term care, but this assistance is not typically covered by your health or long-term disability insurance.

Government programs aren't designed to pay for all your long-term care needs.
Medicare only pays for skilled care, while Medicaid only covers the very poor – those whose assets are at or below state-required levels.These programs often don't cover care provided in your own home.

Long-term care doesn't mean nursing home care. 
In fact, the majority of people who need long-term care remain in their own home or in their community. Most long-term care insurance policies will cover people in all care settings including the home.That's a significant benefit.

Your age and health make a big difference in what protection costs.
Many people put off looking into long-term care insurance protection.Waiting to plan can be a mistake because the cost of insurance is based on your age, increasing as you get older. Your health is also a most important factor.Waiting to plan can be a costly mistake because a change in your health can make you ineligible for this protection (no matter how much you are willing to pay).

Why not find out how much long-term care insurance protection costs?
There is no cost or obligation to find out how much long-term care insurance protection costs. Why not find out now.It's an important first-step to take.Call me today, at [xxx-xxx-xxxx].

Make Long-Term Care Awareness Month the time you start planning.



[AGENT SIGNATURE] [TITLE] [INSERT LICENSE NUMBER IN CA and MT]| P.S.  There's an old saying:Failure to Plan is a Plan For Failure.            Let me tell you what long-term care insurance protection costs.Call me at [xxx-xxx-xxxx].