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Make
a confidential
and personalized appointment today!
727-541-2173
727-541-1704 fax
silversgold@aol.com |
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Lettie Tice
Independent Agent |
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Home Health Care |
A recent study found that 78%
of older Americans prefer to have out of hospital care administered
at home.
Experts estimate the average cost for home health care is
$15,000 a year, yet Medicare pays only a small portion of
Home Health Care cost. |
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We can show you how to plan for this important and necessary
protection and possibly have
UNCLE SAM PICK UP THE COST.
If you're doing some planning for retirement, you've
probably considered the devastating impact an extended nursing
home stay has on your savings. At a national average of $30,000
per year, it can exhaust an individual's hard-earned retirement
saving in a very short time. Long-term care will deplete a
spouse or loved one's assets, leaving nothing for the spouse
to live on. |
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A Peaceful and Dignified End |
| When Barbara underwent a serious melanoma operation, she and her husband,
Morton, decided to buy a long-term care insurance just in case the cancer returned. Instead, Morton was diagnosed
several ears later with Alzheimer's disease. A career foreign service officer, Morton was a man of charm and
intelligence, fluent in German and Spanish. it was hard for Barbara to watch the disease rob him of his speech and
memory. But thanks to the long-term care insurance, she was able to care for him initially at their home, where
he felt secure and was comfortable. the insurance paid for a team of nurses and social workers to evaluate his
need and for home health care aides to look after him during the day. Meanwhile, Barbara, a lawyer, was able to
maintain her own career representing abused and neglected children. |
| Later, when Morton began roaming at night, it became apparent he would need a
higher level of care. the insurance covered that as well. Worried that a nursing home would be too impersonal, she
moved him to a small group home where she could visit him after work. "If he didn’t have insurance coverage they
would have had to spend down their assets and sell their home" to be qualify for Medicaid indigent coverage, says
their insurance agent. Instead, Morton was able to spend his final years in peace and dignity. "He was surrounded
by caregivers who were extremely gentle and fond of him," says his daughter Debra. "We wouldn't have found these
people without the group home and the insurance Agent." |
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