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Declaration of Independents
1. We promise to provide you with coverage
options from the country's best insurance
companies, not just one.
2. We promise to stand up for your rights,
because we work for you...not an insurance
company.
3. We promise to provide you with the best
possible price for your insurance coverage.
4. We promise to research coverage options and
offer the best insurance tailored to fit your
changing needs.
Declaration of Independents
1. We promise to provide you with coverage
options from the country's best insurance
companies, not just one.
2. We promise to stand up for your rights,
because we work for you...not an insurance
company.
3. We promise to provide you with the best
possible price for your insurance coverage.
4. We promise to research coverage options and
offer the best insurance tailored to fit your
changing needs.
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News & Notes
As one of our valued customers and friends, I
wanted to be sure that we are offering you
every service we have available. We all agree
that auto and home insurance are a must,
especially if you have had a claim. As we get
older, I think we all agree, we begin to use our
health insurance more for claims too. Have
you ever considered what happens if you need
more than health insurance? Even Medicare
will only cover hospital and doctors and
Medicare part D will cover medicine. But, if
you needed to recover from surgery in a
nursing home or require at home care, where
would you be able to turn in a claim for that?
We at FTH not only offer life insurance to take
care of your family, we offer health insurance,
including Medicare supplements and Long
Term Care Insurance. As with other health
care costs, Long Term Care costs are rising
faster than the rate of inflation. In our area,
the average cost for a Semi-Private room per
day is over $140. That means the cost for a full
year is $51,465! The average stay is 2½ years.
That out of pocket cost now goes to $128,662!
You may say you will not need that, but
statistics show 7 out of 10 people over the age
of 65 will enter a nursing home for some
reason. 70%! This figure isn’t meant to scare
or intimidate you, but to inform you. You
have worked hard and saved for you and your
family all this time. It would be a shame to
have to pay all this to a nursing home or
liquidate your assets just to provide you with
quality care. The laws have also changed, so
that even if you were to liquidate and sell, the
Medicaid look back period is 5 years. Therefore
you would have to be in the facility for 5 years,
or anticipate correctly when to liquidate, or
suffer a penalty by the government.
I can tell you firsthand as I have had to take
care of this and it is not fun. My uncle was in
a local nursing home after recovering from
surgery. While there, he grew steadily worse
due to his Parkinsons disease, but remained in
the facility for several years. He did not have a
Long Term Care policy. He had worked his
whole life and had built up some savings as
well as owned a home and a car. We sold
those and eventually had to spend all his
savings, sending a check each month to the
nursing home. Their daily room rate then was
about $130, $3900 per month, or $46,800 per
year. After all that was spent, he had to go on
Medicaid or public aid. This showed me how
all a person hard work, fiscal responsibility and
independence can be reduced to the bare
minimum in a few short years.
Obviously the younger you are when you
purchase Long Term Care insurance, the less
costly it will be. But you are also healther and
less likely to have any medications or ailments
that would cause the policy to be rated denied.
There are several companies available that
offer many different options to make the
coverage affordable and yet valuable for
everyone. There are also different discounts
available an buy up or inflation options to
make sure your coverage stays in line with
costs of care.
Please contact me for a quote or more
information. All of your information will be
completely confidential and no doctors’
information is needed to get a quote. We can
then have at least 3 quotes for you to go over
and decide which works best for you.
If you would prefer, email me at
dcaspary@fthinsurance.com.
Thanks very much,
Deb Caspary
FTH Insurance
Check out our new website and if you provide
us with your email address, we will enter your
name in our drawing for $100
cash!
As one of our valued customers and friends, I
wanted to be sure that we are offering you
every service we have available. We all agree
that auto and home insurance are a must,
especially if you have had a claim. As we get
older, I think we all agree, we begin to use our
health insurance more for claims too. Have
you ever considered what happens if you need
more than health insurance? Even Medicare
will only cover hospital and doctors and
Medicare part D will cover medicine. But, if
you needed to recover from surgery in a
nursing home or require at home care, where
would you be able to turn in a claim for that?
We at FTH not only offer life insurance to take
care of your family, we offer health insurance,
including Medicare supplements and Long
Term Care Insurance. As with other health
care costs, Long Term Care costs are rising
faster than the rate of inflation. In our area,
the average cost for a Semi-Private room per
day is over $140. That means the cost for a full
year is $51,465! The average stay is 2½ years.
That out of pocket cost now goes to $128,662!
You may say you will not need that, but
statistics show 7 out of 10 people over the age
of 65 will enter a nursing home for some
reason. 70%! This figure isn’t meant to scare
or intimidate you, but to inform you. You
have worked hard and saved for you and your
family all this time. It would be a shame to
have to pay all this to a nursing home or
liquidate your assets just to provide you with
quality care. The laws have also changed, so
that even if you were to liquidate and sell, the
Medicaid look back period is 5 years. Therefore
you would have to be in the facility for 5 years,
or anticipate correctly when to liquidate, or
suffer a penalty by the government.
I can tell you firsthand as I have had to take
care of this and it is not fun. My uncle was in
a local nursing home after recovering from
surgery. While there, he grew steadily worse
due to his Parkinsons disease, but remained in
the facility for several years. He did not have a
Long Term Care policy. He had worked his
whole life and had built up some savings as
well as owned a home and a car. We sold
those and eventually had to spend all his
savings, sending a check each month to the
nursing home. Their daily room rate then was
about $130, $3900 per month, or $46,800 per
year. After all that was spent, he had to go on
Medicaid or public aid. This showed me how
all a person hard work, fiscal responsibility and
independence can be reduced to the bare
minimum in a few short years.
Obviously the younger you are when you
purchase Long Term Care insurance, the less
costly it will be. But you are also healther and
less likely to have any medications or ailments
that would cause the policy to be rated denied.
There are several companies available that
offer many different options to make the
coverage affordable and yet valuable for
everyone. There are also different discounts
available an buy up or inflation options to
make sure your coverage stays in line with
costs of care.
Please contact me for a quote or more
information. All of your information will be
completely confidential and no doctors’
information is needed to get a quote. We can
then have at least 3 quotes for you to go over
and decide which works best for you.
If you would prefer, email me at
dcaspary@fthinsurance.com.
Thanks very much,
Deb Caspary
FTH Insurance
Check out our new website and if you provide
us with your email address, we will enter your
name in our drawing for $100
cash!