The single greatest threat to financial security for seniors is medical expenses.

For most individuals over 65, Medicare and/or health insurance covers expenses associated with hospitalization, physicians' care and surgery. Nursing home and long term care costs are EXCLUDED from this coverage. These costs can be staggering. Here are some startling facts:

• 50% will need nursing home services at least once in their lives
• In Lancaster County, fees for one day in a nursing home can average over $200 (excluding costs for medications, therapy, doctor visits and personal needs)
• Annual nursing home fees can add up to $75,000
• The average nursing home stay is 2.7 years (but longer stays are common)

Without insurance, how do these bills get paid?
Typically, patients are required to "spend down" their assets and be declared "indigent" by the state before Medicaid assistance helps with nursing home bills. Can this humiliation be avoided? Yes - with long-term coverage through Habecker Associates.

Long-term care options
Traditional long-term care insurance may be the answer in protecting your family's assets. Numerous levels of coverage are available:

• daily benefit
• length of stay
• inflation protection

Premium rates vary by age and level of health. A rider to protect the benefit from inflation erosion is available. Are you or a loved one age 50 or over? Now is the time to consider long-term care insurance - use our easy online form to request more information on the coverage that's right for you. (link to request)

Pre-Existing Conditions Don't Destroy All of Your Options
What happens if I can't qualify for an insurance program because of a pre-existing health problem? Can I still stretch my money in preparing for long-term care?

YES! Call us today at 717/898-6282 for complete details.

Long Term Care Alternative
Another excellent option for long-term care preparation is a combination of annuity investment, life insurance and long-term care coverage. Habecker Associates can answer your questions about this special coverage.

Highlights of this product include:

• You are transferring an asset from one investment to another not spending it
• The original transferred asset is always liquid
• All asset accumulation that is received from the plan for either long-term care or a death benefit is received income tax-free.
• This product is a great way to have long-term care coverage and still have your original investment.plus have it grow.
• An income tax free way to transfer assets to children or grandchildren
• The benefits are always available as either LTC, a death benefit or contract cancellation. 100% security.

Make an informed decision on the coverage that best protects you and your loved ones. Talk with the professionals at Habecker Associates to discuss your options - 717/898-6282.