Show Mom You Care: Have A Conversation About Long Term Care Insurance

Friday, March 1, 2019

About Long Term Care Insurance (NAPSA)—This year, as you look back at the many years your mother cared for you, consider the possibility that she mayrequire care herself some- day. Longterm care insurance can help ensure that your motherwill get the care she needs, should there come a time whenshe requires help managing some ofthe activities we associate with independentliving. Millions of Americans require long term care during theirlifetime,’ which includes assistance with simple tasks like bathing, eating and dressing—trivial things we doevery day withouta secondthought. Inreality, the type of care neededto provide assistance with these activities can be expensive andis generally not covered by traditional health Youcan help look after your mother in thefuture by showing her how to get long term care insurance today. are also eligible. Qualified relatives include your spouse, domestic partner, parents and parents-in-law, and adult children. Fora completelist of whois eligible plansor Medicare. to apply, visit LTCFEDS.com/eligibility. women, in general, live longer than men. This means that women may be (800) LTC-FEDS ( (800) 582-3337)/ Its important to keep in mind that morelikely to need care at somepointin theirlives than their male counterparts.” Should that need arise—whether it assistance to perform activities of daily living or supervision due to a severe cognitive impairment—it’slikely to be For personalized assistance, call TTY (800) 843-3557 to speak with a program consultant. They are available to answer any questions you may have and can walk you step by step through theplan design andapplication process. Register for a FLTCIP webinar If you or your qualified relatives providedby a family memberorfriend. would like to learn more about the option, with many families living far features, register for an upcoming webinaror view the existinglibrary of onyou or even a closefriend. The good newsis, sheis eligible to apply for coverage underthe Federal Long Term Care elearning. Unfortunately, this may not be anideal apartfrom eachother. And, your mother may notbewilling to place that burden Insurance Program (FLTCIP). Encourageyour qualified relatives to plan now ‘The best time for your family members to consider long term care insuranceis long before they needit. Because the FLTCIP is medically underwritten, it’s importantfor your qualifiedrelatives to apply whenthey are in good health to avoidtheriskthata future illness or condition may prevent them from obtain- ing coveragelater. Also, premiumsare directly related to age. This meansthe youngerpeople are when they apply for FLTCIP’s comprehensive benefits and on-demand topics at LTCFEDS.com/ More aboutthe FLTCIP Established by an act of Congress in 2000 andoverseen by the U.S. Office of Personnel Management, the FLTCIPis designed to meet the specific needs of the federalfamily. The FLTCIPprovides industry-leading benefits and offers flexible options that allow enrollees to tailor coverage to meettheir needs. Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You needto apply to find out if you qualify for coverage under the FLTCIP. ‘The Federal Long Term Care Insur- coverage, the lower their premium. ance Program is sponsored by the for coverage as well, as a way to help secure yourfamily’s future. With benefits designed specifically for the federal insured by John HancockLife & Health You may wish to consider applying family, the FLTCIP offers a smart way US. Office of Personnel Management, Insurance Company, and administered by Long Term CarePartners, LLC. ‘Centers for Disease Control and to help protect your savings andassets Prevention. “Long-Term Care Services term care services someday. gov/nchs/data/nsltcp/long_term_care_ the FLTCIP, including federal and US. Human Services. “Who Needs Care?,” tants, as well as active andretired members ofthe uniformed services. Certain who-needs-care.html 2019). should youoryour lovedones needlong Many membersofthefederalfamily are eligible to apply for coverage under Postal Service employees and annui- family members, or qualified relatives, in the United States,” http://www.cde. services_2013.pdf(accessed May 2019). ?US. Department of Health and https://longtermcare.acl.gov/the-basics/ FLTCIP5761 (accessed May

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