1. When everyone is counting on you, you can count on us.
Check long-term care off of your list of concerns.
PM-602

2. What would we do without you?
Keep everything and everyone on time, on track and moving forward.
Fill many significant roles.
Provide for others financially, emotionally, physically and spiritually.
May need to become a caregiver for family or other loved ones.
Women keep everything and everyone on time, on track and moving forward. As a mother, sister, wife, daughter or friend, you fill significant, lasting roles as you provide for the people you love in financial, emotional, physical and spiritual ways. Perhaps even more significant, you’re the one who is most likely to provide caring support when someone needs assistance and either doesn’t have insurance protection or can’t afford help.*
*“Caregiving.” Family Caregiver Alliance/National Center on Aging. Web. Retrieved 15 November 2016.

3. Women care for others
75% of caregiving support in the U.S. is provided by family.1
66% of all unpaid caregivers are women.1
Unpaid caregivers provide 20 hours of help each week on average.2
Unpaid caregivers give up nearly $660,000 in lifetime income.3
1 “Caregiving.” Family Caregiver Alliance/National Center on Aging. Web. Retrieved 15 November 2016.
2 “Women and Caregiving: Facts and Figures.” Family Caregiver Alliance/National Center on Caregiving. Web. Retrieved 15 November 2016.
3 “Caregiving.” Family Caregiver Alliance/National Center on Aging. Web. Retrieved 15 November 2016.
You are clearly wired to care for others — yet this instinct could come at the expense of your own long-term needs.
Research from the Family Caregiver Alliance shows that more than 75 percent of caregiving support in the U.S. is provided by family members. Of all of unpaid caregivers, 66 percent are women.1 At some point, you may step in for a spouse, parents, in-laws, friends and even neighbors as a hands-on health provider, care manager, companion, decision maker or advocate.2 This is no easy task. Unpaid caregivers give an average of 20 hours of support every week, and give up nearly $660,000 in lifetime income to meet others’ needs.3
1 “Caregiving.” Family Caregiver Alliance/National Center on Aging. Web. Retrieved 15 November 2016.
2 “Women and Caregiving: Facts and Figures.” Family Caregiver Alliance/National Center on Caregiving. Web. Retrieved 15 November 2016.
3 “Caregiving.” Family Caregiver Alliance/National Center on Aging. Web. Retrieved 15 November 2016.

4. Caregiving = long-term care
Caregivers typically provide long-term care (LTC) for someone after an illness or injury.
70% of people 65 and older require LTC at some point.*
LTC is considered necessary when someone needs help with “activities of daily living” like eating, dressing and bathing.
Most caregiving situations involve long-term care, or LTC. About 70 percent of all individuals age 65 and older will require long-term care in their lifetime.1
Individuals typically need long-term care when they experience a chronic or acute illness or injury and aren’t able to manage “activities of daily living,” or ADLs. These ADLs include common tasks like bathing, dressing and eating. Caregivers also need to provide help with chores like cooking, paying bills, cleaning and shopping.
* “How Much Care Will You Need?” LongTermCare.gov. Web. Retrieved 15 November 2016.
* “How Much Care Will You Need?” LongTermCare.gov. Web. Retrieved 15 November 2016.

5. Did you know?
The typical unpaid caregiver is female, 49, married and employed.*
1-in-5 female caregivers aged 18 – 39 feel stress “nearly all of the time.”*
More than a third end up in poor health themselves.*
The typical unpaid caregiver is a 49-year-old woman who is married and employed. She is managing a career and family while caring for a family member or friend. Not surprisingly, 1-in-5 female caregivers between the ages of 18 and 39 report feeling stress “nearly all of the time.” More than a third of unpaid caregivers end of up in poor health themselves.
*“Women and Caregiving: Facts and Figures.” Family Caregiver Alliance/National Center on Caregiving. Web. Retrieved 15 November 2016.
* “Women and Caregiving: Facts and Figures.” Family Caregiver Alliance/National Center on Caregiving. Web. Retrieved 15 November 2016.

6. In a study of unpaid female caregivers:*
33% of working women reduce their work hours.
29% pass up a promotion, training or project.
22% take a leave of absence.
20% switch from full- to part-time employment.
16% quit their jobs.
13% retire early.
Caregiving often has an impact on women’s jobs and income. In a national study of unpaid female caregivers:*
33 percent of working women reduce their work hours.
29 percent pass up a promotion, training or assignment.
22 percent take a leave of absence.
20 percent switch from full- to part-time employment.
16 percent quit their jobs.
13 percent retire early.
*“Women and Caregiving: Facts and Figures.” Family Caregiver Alliance/National Center on Caregiving. Web. Retrieved 15 November 2016.
*“Women and Caregiving: Facts and Figures.” Family Caregiver Alliance/National Center on Caregiving. Web. Retrieved 15 November 2016.

7. Every number represents lives impacted by LTC …
Without LTC protection
With LTC protection
A wife puts a thriving career on hold to care for a spouse.
LTC benefits can help pay for a home aide or care at an adult day center.
A daughter visits her aging parents daily to cook and clean.
LTC benefits can help pay for home care, assisted living or other services to meet everyone’s needs.
A mother helps her son recover from a car accident.
LTC benefits can help pay for expert care in a rehab facility or in-home care.
All of these statistics are significant, but there’s more to the story. Every number represents lives impacted by long-term care situations. Perhaps you know someone who has been in one of these situations.

8. Paying for LTC Professional LTC is available from: Home care agencies
Assisted living facilities
Nursing homes
Adult day centers
And more
One alternative is to pay someone else to provide long-term care services. Professional care is available from reputable, high-quality sources: home care agencies, assisted living facilities, nursing homes and adult day centers, among others. Long-term care services may range from running a few simple errands once or twice a week to full, round-the-clock nursing care.

9. The high costs of LTC In-home care costs:1
$14 to $24 per hour
$112 to $192 per day
$3,360 to $5,760 per month
A private nursing home room costs $83,580 per year on average.2
1 “Elder Care Costs Compared: In-Home Care, Assisted Living, Nursing Homes.” A Place for Mom. Web. 29 June 2015.
2 “Costs of Care.” LongTermCare.gov. Web. Retrieved 15 November 2016.
People who require long-term care services — and those who arrange services for loved ones — are usually surprised by the high costs. To arrange for in-home care, for example, an individual may have to pay $14 to $24 per hour, $112 to $192 per day or $3,360 to $5,760 per month.1
For a private room in a nursing home for one year, the average price is $83,580 in the U.S., and costs continue to rise.2
High numbers like these tell us why so many Americans rely on family members and friends to meet their long-term care needs — for free. Yet this option comes at great sacrifice to the unpaid caregiver, who must give up family time, career goals, savings and retirement dreams.

10. What can you do?

11. Protecting yourself Protect yourself from LTC costs
Access more LTC options
Choose where, how and when you receive necessary LTC services
Maintain your independence
Avoid having to ask loved ones to care for you
Help others protect themselves, too
Fortunately, there’s another solution. Long-term care protection can save you from the high costs of LTC. At the same time, it gives you more options in LTC and ensures you can choose the kind of LTC services you need when you need it. LTC protection means you don’t have to give up your own independence or have to ask the people you love to care for you. By arranging LTC protection for others, you can stay on track career-wise and preserve your savings and retirement accounts.

12. Protecting the ones you love
Protection for your parents, spouse, siblings, children and others in your life
LTC on their terms
Proactive way to secure their choices and independence
Protect important relationships
Think about the others in your life who could benefit from long-term care protection: your parents, spouse, siblings, children. Who else in your life may need this type of security and protection?
When benefits are in place, your loved ones can access long-term care services on their own terms. Do you know someone who had to move into assisted living or a nursing home against their own wishes? Or maybe you know someone who wished they could, but they couldn’t afford the costs? LTC benefits helps the insured person secure the care they need on their own terms. They can plan ahead to help ensure they can make their own decisions and retain their independence as long as possible.
Long-term care situations can put stress and strain on important relationships. By the same token, LTC protection can help alleviate financial and emotional stresses and protect these relationships.

13. OneAmerica® Care Solutions
Asset-based LTC products help protect you, your loved ones, your retirement and your legacy!
Control your care.
Maintain your independence.
Protect your family.
Preserve your assets.
OneAmerica Care Solutions is a series of asset-based, long-term care products based on life insurance or annuities. With a Care Solutions product in your overall financial strategy, you can help protect yourself, your loved ones, your retirement and your legacy. And the benefits are many.
For one, you can control your care. Take the steps now to understand and prepare so can help control your care choices later on.
Another advantage is that you can help maintain your independence. By outlining your preferences, you help ensure the kind of care you want, remain independent as long as possible and preserve your dignity.
You’re also protecting your family with a Care Solutions product. Because when you plan for your care now, your friends and family can keep caring about you without having to care for you.
Another important benefit is that you can preserve your assets. With this protection in place, long-term care situations won’t keep you from leaving a lasting legacy for your family, your favorite charities or your place of worship.

14. Care Solutions advantages
Funding options
IRA
401(k)
Mutual funds
Cash
Existing annuity
Annual premiums
Existing life insurance
OneAmerica Care Solutions offers other advantages. You can fund your policy in multiple ways, including IRAs, 401(k) money, mutual funds, cash, existing annuities, annual premiums or existing life insurance. You have the option to have your LTC benefits pay your entire lifetime.
When it’s time to file a claim, know that our helpful Care Solutions Claims Concierge service is available to support you every step of the way.
Lifetime
Joint protection is not available in PA.

15. Care Solutions advantages
Two lives One policy One pool of LTC benefits
Our Care Solutions Asset-Care product can cover you and your spouse in one joint policy. You each have access to benefits to pay for qualifying long-term care costs. This is a distinct advantage over standalone policies, which cover two individuals through two separately underwritten and issued policies. That can be a problem when spouses aren’t able to qualify for protection on their own.
Joint protection is not available in PA.
For company and recruiting use only. Not for public distribution.

16. Learn more
Talk to [Agent name] today:
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17. Disclosures
Note: Products are issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica company that offers the Care Solutions product suite. Asset-Care form numbers: L301, R501 and SA31; Annuity Care and Annuity Care II form numbers: SA34, R508; SA35; Indexed Annuity Care form numbers: SA36, R529 PPA, R529, R530 PPA and R530. In ID: L301 (ID); SA31, R501; SA34, R508; SA35 (ID). Not available in all states or may vary by state. This is a solicitation of insurance. An insurance agent or insurance company will contact you. The policies and long-term care insurance riders have exclusions and limitations. For cost and complete details of coverage, contact your insurance agent or company. Provided content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice. [Agency Name] is not an affiliate of State Life and is not a OneAmerica company.
For company and recruiting use only. Not for public distribution.