Funding Long Term Care You Have 3 Choices…

1. Self Insure by using your
   a. Savings and Assets
   b. Personal Pension Plan
   c. Long Term Care Rider on a Permanent Life Insurance Policy
   
   “Today’s Monthly Cost is $4800.00 and in 10 years it is projected to cost over $7600.00 per month. Have you budgeted for that?”
   
   
2. Access the assistance of Medi-cal
   a. Medi-cal, a program supported by the State of California requires you to “spend down” almost all of your assets before you qualify for this program.
   
   “The number one reason of impoverishment among the elderly in the United States is failure to plan for long term care.”
   
   
3. Purchase Long Term Care Insurance
   a. It preserves your independence
   b. Avoids burdening your family
   c. Assures quality and choice of care
   d. Protects your assets
   
   “It is the transfer of risk from you to an insurance company should you need long term care in the future.”

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