United Insurance Services, LTD.

Long Term Care - Questionaire

Answer the following questions to determine if you need Long Term Care Insurance.

1. I could depend on Medicare.. YES? NO?
Medicare pays only for skilled care and has many limitations to the coverage it provides. Plus 33% of long term care expenses comes out of your pocket.
Source: Healthcare Financing Administration, Annual Nursing Home Report 1998.

2. It won't happen to me... YES? NO?
Over 43% of people over 65 will require long term care in their lifetime. The older you get, the more likely you'll need it and there is nothing you can do to prevent it.
Source: Time Magazine 8/30/99

3. I can pay for it myself... YES? NO?
The crisis in long term care increases. One year in a nursing home can exceed $100,000. Can you afford it?
Source: Wall Street Journal 3/31/99

4. I could let Medicaid pay... YES? NO?
And give up your independence? Not only do you have to be destitute to qualify, they will tell you where you can seek help/treatment.

5. My kids will take care of me... YES? NO?
Do you want to disrupt the lives of your children and grandchildren by burdening them financially and emotionally?