“Did You Know That If Someone In Your Family Needs Long Term Care, The State Can Step In And Take Your Inheritance After Your Relative Dies?"

Yes, you heard that right! I’ll explain what I’m talking about in a minute, and when you find out, you may get upset. But this one alarming fact isn’t all we’re going to tell you about today. No matter how unfortunate it is, there are several real world, HUGE problems facing retirees and seniors we’ll be discussing in this report…that most of you don’t know! GIGANTIC issues , that are causing retirees to:

ü      Go through and use up all their money before passing on.

ü      Be forced to cut back or reduce their lifestyle.

ü      Use up and spend all their assets and money to pay for a family member’s long term illness.

ü      Suffer needless losses from changes in the market and economy.

ü      Be forced to send a loved one to an awful state run nursing home.

What are we talking about?

Long Term Care!

            Long Term Care (LTC) is a reality for more and more Americans as our population ages and baby boomers are starting to reach their “golden years”! What’s long term care? Well, it’s basically the situation where someone’s illness or injury requires them having skilled nursing care ‘round the clock.

            Most people think long term care means nursing home care. When in fact, only 1.6 million of approximately 250 million United State citizens are in nursing homes. In addition, there are over ten million Americans being cared for at home under long term care!

A nursing home stay is definitely one of the main concerns for the senior citizen today. However, with the statistics cited above, home health care is a much bigger issue.

This is a very sensitive and emotional issue. As with any fear of the unknown, the loss of one’s health and personal freedoms is met with the expectation of the worst scenario. That is the reason most people shy away from any mention of LTC.

The unlikely ability of Medicare, Medicaid or any other government program meeting the needs of this kind of care, combined with the fact  that most people would get wiped out due to a long term illness or injury, and the public increasing awareness of these facts, LTC insurance is rapidly becoming the solution for the majority of retirees.

Ninety percent of the 1.6 million Americans in nursing homes are over 65. Of the 10 million who are receiving home health care, forty percent are working age adults. By that we mean age 18-65. Long Term Care or home health care is a possibility for everyone. There is no one that is not at risk.

Let me share an experience I had with a client.

A couple of years ago, I sat down with Dan & Lynn. Dan was 40 years old and Lynn was 39. They had met in college and married right after graduation. Dan went to medical school. Lynn had a degree in education, but never bothered to get her teaching certificate. She had to be the primary bread- winner in the family while Dan was in school. So, she went to work in the office of her uncle’s manufacturing company and sold real estate on the side