1. Life Can Change Suddenly
Introduction: You are attending this seminar today because you know something that is a fact of life: Your Life Can Change on a Dime.
Have you done all you can
to protect your family?
AIMS MED FC 175 W © Copyright 2011 AIMS, Inc.

2. What is Long Term Care?
Long Term Care is the assistance that people need when they are unable to perform activities of daily living such as:
bathing, dressing, eating, toileting,
continence, and transferring
Long Term Care can also mean the supervision required due to a cognitive impairment

3. The need for Long Term Care can result from:
An accident
A medical condition
Normal aging

4. What are the chances of needing Long Term Care?
The percentage of people over age 65 that will require some Long Term Care services during their lives is 70%.
- US Department of Health and Human Services, National Clearinghouse for Long Term Care information, 10/10/11
More than 40% of those receiving Long Term Care services are under 65.
- Georgetown University Long-Term Care Financial Project, “Long-Term Care Financing Policy Options for the Future,” June 2007.

5. How much does Long Term Care cost?
Home Care Services - The national average hourly rate for home health aides is $21. The average hourly rate for homemakers/companions is $19 an hour.
Assisted Living Communities - The monthly private room base rate is $3,293 monthly or $39,516 annually in 2010.
Nursing Homes - The average cost of a semi-private room is $205 daily or $74,825 annually.
- Market survey of Long-term Care Costs. The 2010 MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care costs, MetLife Mature Market Institute, October 2010, Page 4

6. What’s your plan? Where do you envision receiving care?
- At home from a family member or friend
- At an assisted living facility
- At a nursing home

7. How will you pay for care?
Health Insurance
Medicare
Medicaid
Long Term Care Insurance
Personal Assets

8. Who pays for Long Term Care?
Home Care
Adult Day Care
Assisted Living
Nursing Home
Long Term Care Insurance
Yes, Homemaker & Health Aide Services
Yes
Health Insurance No
Medicare
Very limited coverage for homebound patients getting skilled nursing care. Homemaker care is not covered.
May provide some coverage in certain situations. Skilled care only. No more than 100 days, co-pay after 20
Medicaid
Very limited coverage for low income people, subject to spend down rules.
A Shopper’s Guide to Long Term Care insurance, NAIC, 2010

9. If you haven’t made a plan…
Your plan is
to use your assets.
Will your assets support your care and your family’s needs?

10. FlexCare Long Term Care insurance can…
Transfer the risk
Give you and your family peace of mind
Give you the freedom to make the decision on where and how you receive care

11. FlexCare Long Term Care Insurance
FlexCare is the next generation
of ground-breaking innovation
in Long Term Care insurance

12. FlexCare can be designed to fit your needs and your budget
Reimbursement plans
Cash enriched plans
As low as 1 or 2 year plans

13. For the greatest flexibility, you can even receive your home health care and assisted living benefits in CASH by selecting the FlexCash rider.
- Use cash to pay a family member or friend to provide care
- No need to keep up with bills and wait for reimbursement

14. 100% Worldwide Coverage Receive benefits ANYWHERE in the world!
No restrictions on benefit length or location.

15. Advantages for Members of an Employer Sponsored Group
10% premium discount
25% married discount
- Even if your spouse does not apply
Simplified Underwriting
You can share the savings with members of your family (even if you don’t take coverage)
- Including parents, adult children, siblings, aunts, and uncles

16. [Agent Name] will help you through the enrollment process
Choose your daily benefit and number of years of coverage
Choose any optional benefits that fit your specific needs
Choose an inflation option to keep your benefits growing

17. How to Apply for Coverage
Review the informational material
Call [Name] to schedule a personal consultation
[contact
info]