From bradley@aftenposten.no Sat Jul 7 10:55:07 2001 Return-Path: Received: from ddb1nts4.ddb.cz (ddb-mailer.fastnet.cz [213.175.62.252] (may be forged)) by XXXXXXXX.XXXXXXX.XXX (8.10.1/8.10.1) with ESMTP id f67Ht1210325 for ; Sat, 7 Jul 2001 10:55:01 -0700 (PDT) Date: Sat, 7 Jul 2001 10:55:01 -0700 (PDT) Received: from all-life.com by ddb1nts4.ddb.cz with SMTP (Microsoft Exchange Internet Mail Service Version 5.0.1460.8) id MQJG035Y; Sat, 7 Jul 2001 18:55:52 +0200 Reply-To: From: "bradley@aftenposten.no" To: "8192@aol.com" <8192@aol.com> Message-ID: <0994525146.0054467931@ns1.aftenposten.no> Subject: Your insurance is not going to pay... 1271785 MIME-Version: 1.0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Status: RO <=21--=5Bif =21mso=5D> <=21=5Bendif=5D--> =B7 <=21--=5Bif gte mso 9=5D> <=21=5Bendif=5D--> <=21--=5Bif gte mso 9=5D> <=21=5Bendif=5D--><=21--=5Bif gte mso 9=5D> <=21=5Bendif=5D-->

= IF YOU ARE INVINCIB= LE PLEASE DO NOT READ THIS=21

WHY WOULD I EVER NEED LONG TERM CARE?=

FACTS:

  • 3 million Americans currently receive long-term care in a facility -- and 40% of the= m are between the ages of 18 and 64.
  • More than half the U.S. populat= ion will require long-term care in their lifetime.
  • 3 million Americans currently r= eceive long-term care in a faci= lity -- and 40% of them are between the ages of 18 and 64.
  • Your risk of a m= ajor fire in your home is 1 in 1200; yet, it is certain you have homeowners insurance.
  • Your risk of a m= ajor auto accident is 1 in 240; yet, it is certain you have automobile insurance.
  • Your risk of spe= nding more than =2430,000 in a hospital is 1 in 15; yet, it is certain you have he= alth insurance or Medicare.
  • Your risk at age= 65 of needing long-term care- which could easily cost you =24100,000 or more - is 1 in 2.

According t= o the U.S. Health Care Financing Administration, nearly one-third of all long-term care bills are paid by ind= ividuals and families our of their own pocket.  

About 40% a= re paid by Medicaid, BUT ONLY AFTER AN INDIVIDUAL'S ASSETS HAVE BEEN REDUCED TO TH= E POVERTY LEVEL.  Only about 18% of services are paid by Medicare.  The rest is paid by miscellaneous sources.  Here's a frightening fact: According to Business &a= mp; Health Magazine

7= 0% of single people and 50% of married couples with one partner requiring lon= g-term care BECOME IMPOVERISHED WITHIN ONE YEAR.

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"Private insurance seems to be the best solution fo= r people who don't want to spend their own savings on long-term care.

- Newsweek, August 30, 1999 -

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WHAT CAN WE DO FOR = YOU?

<= span style=3D'font-size:16.0pt;mso-bidi-font-size:10.0pt'>Offer You Long Term= Care Insurance Coverage at very affordable rates reducing the cost, anguish = and ravage of long-term care expenses.

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If you ar= e interested in discussing a host of available options specifically desig= ned for your needs with one of our experts, please fill out the following:=


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In the next 7 pages= you will discover many important facts pertinent to yours or your loved ones sit= uation about Long Term Care. Read a= s much or as little as you wish. This = may be the best thing you will ever do for yourself in your lifetime=21=21

WHAT ARE MY RISKS = FOR NEEDING LONG TERM CARE?

Here are some harsh realities of needing long-term care

<=21=5Bif =21supportLists=5D>     &= nbsp;   <=21=5Bendif=5D>About 60%= of the U. S. population will need long term care at some point in their li= ves. (Business and Health, Feb.1996)

<=21=5Bif =21supportLists=5D>     &= nbsp;   <=21=5Bendif=5D>While there are an estimated 6.6 million Americans that currently need= long term care, that number is expected to increase about 41% to about 9.3 million in the year 2000, 12.9 millio= n in the 2020 and to almost 19 million in= 2040(Employee Benefits Research Institute-Brief. January 1990)

<=21=5Bif =21supportLists=5D>     &= nbsp;   <=21=5Bendif=5D>Within a year of entering a nursing h= ome, 75% of all individuals are impoverished (= Harvard University, Study Agency for Health Care Policy Research, 1998).=

<=21=5Bif =21supportLists=5D>     &= nbsp;   <=21=5Bendif=5D>More than 22 million families currently provide informal, unpaid care for= an older parent or relative, a figure that has tripled in the past ten yea= rs (Mercer Meidinger Hansen, 1988 study).

<=21=5Bif =21supportLists=5D>= =B7     &= nbsp;   <=21=5Bendif=5D>Although 58% of individuals needing l= ong term care services are elders: 40% are working age adults (AARP Fact Sheet, = FS27R).

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CAN YOU AFFORD TO SPEND =2450,000+ A Y= EAR?

Nationally, the average cost of nursing home care i= s =2450,000 per year.1

What if I Use My Insuranc= e or Medicare To Cover My Long Term Illness?

  • <= span style=3D'font-size:10.0pt;font-family:Arial;mso-bidi-font-family:Ar= ial'>Most people are unaware that after 100 days of coverage, regular health= Insurance ceases to provide coverage for chronic conditions.<= /o:p>
  • Many people a= re under the erroneous impression that Medicare, Medi= caid or their health insurance will pay their Long-Term Care costs.
  • Medicare has eligibility requirements<= /span> for skilled nursing care and is for a limited time period.
  • Medicaid is a= welfare program.
  • Health insurance and medical supplements do not cover = nursing home care.
  • Individual and famil= y through their savings, assets, and cash pay most of the Long Te= rm Care costs.

Long Term Care Is Not Only For Old People=21=

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Anyone at any age can bec= ome partially disabled. Many you= ng people today suffer from partial disabilities due to stress, their daily activ= ities, a serious accident or unforeseen events.

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PROTECT YOURSELF AGAINST LONG TERM CARE COSTS=21=21=21

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Cost associated with long-term care may also be greater th= an you think.  

Consider this:

  • Nationally, the average cost of nursing = home care is:

=2450,000 per year.1

  • The average national cost of just one home visit by a nurs= e is =24100. 2
  • Bringing an aide into your home just three times a week --= to help with dressing, bathing, preparing meals and similar household chor= es -- can easily cost =241,000 each month, or =2412,000 per year. 2
  • Annual expenditures for long-term care now exceed =24100 bi= llion nationally. 3

(Sources: 1National Underwriter Magazine, Janua= ry 11, 1999; 2Health Insurance Association of America, www.hiaa.org, Augu= st 1999; and 3Life and Health Advisor, February 1999.)

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About Long-Term Care

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More youn= ger people are buying long-term care coverage for their parents." =
- USA Weekend, June 16, 1998 -

A LONG TERM ILLNES D= OES NOT HAPPEN SUDDENLY WHEN YOU REACH 50+, IT STARTS HAPPENING RIGHT NOW=21=

Q.  What is long-term care= insurance and why should you consider it?

A.=   Long-term care insu= rance is a relatively new type of coverage, which allows you to transfer the r= isk of needing expensive long-term care service to an insurance company in r= eturn for the payment of a premium.  You should consider this typ= e of policy to protect your income and assets, assure access to top-qualit= y care and avoid dependence on others, including your family and the governm= ent.

 

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Active people of any age are constantly plagued = by joint pains, neck, rotating cup, knees, wrist and elbows, such conditions wor= sen even with treatment and can become debilitating in a lot of cases.

Also as= people age, they suffer from chronic conditions such as arthritis, heart disea= se, stroke and memory loss.  Long-term care is the help needed to= cope -- and sometimes survive -- when this type of chronic disability impairs y= our capacity to perform the basic activities of everyday living.  = ;Today, it includes a broad range of supportive medical, personal and social se= rvices, which can be provided in a nursing home, in your own home, in an adult-= day care facility, or in an assisted living facility.  


Following are answers to the most commonly asked questions about long-t= erm care:

Q.  What are the odds you wi= ll need long-term care?

A.  The odds that you will need long-term care may= be greater than you think.  Consider this:

  • 1 in 5 Americans over age 50 is at risk of needing long-te= rm care in the next 12 months.
  • More than half the U.S. population will require long-term = care in their lifetime.
  • 3 million Americans currently receive long-term care in a = facility -- and 40% of them are between the ages of 18 and 64. <= /span>
  • Today, more than 1.5 million people reside in assisted liv= ing facilities in the United States.
  • More than 6 million American seniors who live at home must= depend on regular assistance from family or friends.

(Source: Americans for Long-Term Care Security, August 1999.  Statisti= cs shown represent U.S. population and are presented for information only.)

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"If you're 65 or older, you have roughly 10 times t= he chance of going into a nursing home as you do having your house burn down.  You wouldn't go without homeowners's insurance, so w= hy not insure against the greater risk with long-term care insurance?" =

- Chicago Sun-Times, February 21, 1999 -

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Q.  What is the average length of stay for nursi= ng home residents?

A.  The average length of= stay for nursing home residents who are age 65 and older is 838 days (about 28 months). 

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Female residents tend to have somewhat longer stays than do males (on average, close to seven= months longer).  Length of stay decreases with age: the oldest resid= ents (those age 85 and older) stay, on average, two years, while residents a= ge 65 to 74 have stays that average nearly three years.  Residents who= have never been married have average stays nearly twice as long as those of = married residents.

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(Source: "Characteristics of Elderly Nursing Home Residents: Data from the = 1995 National Nursing Home Survey," Advance Data Number 289, National C= enter for Health Statistics, July 2, 1997.)

Q.  If the risk and cost are= so high, why don't more Americans have insurance?

A.  There= are a number of reasons given.  For example, many Americans believe= they're already covered, either by Medicare, Medicare supplement insurance or h= ealth insurance.  Or they cling to the hope that the federal govern= ment will eventually pay their long-term care bills-- Or that their family, = even though they may be geographically dispersed and raising families of the= ir own, will take care of them on a daily basis.  Others simply belie= ve it will never happen to them.  And even if it does, their person= al savings will cover the expense.  In most cases, these are misconceptions and following them can threaten your retirement security= .

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Q.  Does Medicare, Medicare supplement or major = medical insurance pay for long-term care?

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A.  Unfortunately, most l= ong-term care needs are not covered by Medicare, Medicare-supplement insurance o= r health insurance.  Medicare primarily covers medical expenses, hospi= tal bills and doctor's fees.  When it comes to long-term care, Me= dicare is limited and restrictive.  It pays only when your care foll= ows a hospital stay of at least three days; is given in a skilled-nursing fac= ility approved by Medicare; is given pursuant to a physician's written plan; = and is daily skilled nursing care.  (Remember, practically al= l long-term care administered in the U.S. is custodial care, not skilled).  And even if you meet all of the above requirements= , MEDICARE WILL ONLY PAY FOR 100 DAYS OF SKILLED CARE.  After t= hat, you're completely on your own=21

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What about Medicare supplement insurance? &nbs= p;"Medigap policies," as they're called, cover the smaller deductibles and co-payments in Medicare.  They do not, however, fill the larg= est gap - and that is the high cost of long-term care.

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Will major medical insurance help?  No, y= our medical insurance, like Medicare, covers acute care prescribed by a doc= tor and given in a hospital. It does not cover low level, custodial or intermed= iate nursing care.  In fact, most major medical policies simply du= plicate what Medicare covers -- that is, the first 100 days of a skilled care n= eed.

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Q.=   Will Medicaid cover long-term care?

A.  Medicaid, the federal/state welfare syste= m that finances health care for the poor, will pay your long-term care bills.  But to qualify, you must exhaust virtually all of y= our income and assets.  You must become impoverished; a ward of= the state.  Then, and only then, does Medicaid pay.  = In fact, in most states, you will qualify for food stamps before you qualif= y for Medicaid.

"If you are among the 90% of the over-65 crowd wh= o do not yet own insurance against the cost of a nursing home, pay attention= . You should give serious thought to buying one of these policies.

- Forbes, June 15, 1998 -

Q.  Why is long-term care insurance so important= ?

A.  Let's face it, your r= isk of needing long-term care -- and therefore using this type of insurance --= is exceptionally high.  In fact, it's much greater than many oth= er risks you face in your life -- risks you wouldn't consider going one day with= out nursing.  Consider this:

  • Your risk of a major fire in your home i= s 1 in 1200, yet I'm certain you have homeowners insurance.
  • Your risk of a major auto accident is 1 in 240, yet= I'm certain you have care insurance.
  • Your risk of spending more than =2430,000= in a hospital is 1 in 15 yet I'm certain you have health insuran= ce or Medicare.

Your risk at age 65 of n= eeding long-term care-, which could easily cost you =24100,000, or more - is 1 = in 2. Source: In Denial or in the Dark?  = What You Need to Know About Long-Term Care, by Dixie Arthur, March 1997

With odds like thos= e -- and with that large of a potential financial loss -- doesn't it make sense = to insure your financial security and your retirement dreams?

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Q.&n= bsp; How do you find the best policy? A.  There's really only one way, Whether= it is a legal issue, a medical concern or a Long Term Care question it is imper= ative that you consult with a specialist in that field.  And tha= t's where our expert, innovative, consumer focused

Serv= ice can help.

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"Today, long-term care insurance includes a myriad of= choices, including home care and assisted living.  The idea i= s not only to protect your financial assets, but to allow for a life relative= ly uninterrupted by medical conditions."
- Your Money Magazine, January 1999 -

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