Know Your Needs before you talk to an agent

1.   How old are you?

        ☐ 20-29  ☐ 30-39   ☐ 40-49  ☐ 50-59  ☐ 60-69  ☐ 70-79  ☐ 80+

2.   How would you describe your health?

        ☐ Excellent  ☐ Good  ☐ Fair  ☐ Poor

 

3.   When were you last hospitalized or treated for a serious medical condition?

        ☐ Never  ☐ In the past 3 years  ☐ In the past 5 years  ☐ In the past 10 years

 

4.   Has a family member ever been diagnosed with any of these conditions?

        ☐ Alzheimer’s disease  ☐ Stroke  ☐ Arthritis  ☐ Degenerative disease

        ☐ Cognitive impairment  ☐ Brain injury

 

5.   What kind of long term care services might you want?

        ☐ In-home care  ☐ Adult day care  ☐ Assisted living  ☐ Nursing home

 

6.   How long might you need those services?

        ☐ 2 years  ☐ 3 years  ☐ 4 years  ☐ 5 years  ☐ More than 5 years

 

7.   How much could you afford to pay for long term care?

        ☐ Less than $500 per month  ☐ $1,000 per month  ☐ $3,000 per month 

        ☐ $5,000 per month  ☐ More than $5,000 per month     

 

8.  How much do you estimate your yearly long term care costs will be?

        ☐ Less than $5,000 per year  ☐ $5,000‒$10,000 per year  ☐ $10,000‒$25,000 per year

        ☐ $25,000‒$50,000 per year  ☐ More than $50,000 per year

 

9.   What options do you have to pay some or all of the cost of long term care?

        ☐ Personal savings  ☐ Family members  ☐ Medicare/Medicaid  ☐ Federal long term care insurance 

        ☐ Group long term care insurance through employer  ☐ Individual long term care insurance

 

10.  What is your biggest worry about needing long term care?

         ☐ Being a burden for family members  ☐ Preserving savings and assets 

         ☐ Maintaining independence  ☐  Effect on retirement

         ☐ Other ________________________________________


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HOW COULD LONG TERM CARE INSURANCE HELP?

Based on the high costs of care, long term care insurance can help reduce that expense.

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PLAN FOR LONG TERM CARE

Organize your care planning steps in one place for use as a reference guide when speaking with an agent.

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