A Nursing Home Is No Place To Spend
Your Hard Earned Money
Long Term Care Not Just For Seniors
UFCW Local 1036 is proud to refer
eligible members, their dependents and family members to Long-Term
Care Specialist sm for their long-term care insurance
needs. It is your union’s goal to offer the highest quality long-term
care insurance services at the greatest possible savings to our
members and their families.
Sincerely and fraternally,
George L. Hartwell
opportunity for the United Food & Commercial
Union Members Local 1036
The high cost of long term health
care, and the family burdens presented by the need for such care
are very real concerns. Many of the members will be interested
in the protection of their assets and other advantages offered
by this program. This association program offers both a premium
discount and relaxed underwriting requirements to the Union
members and their family members and employees!
Monumental Life Insurance Company,
(Member of the AEGON Insurance Group), a large A+ rated national
carrier, has been one of the leaders in associations LTC insurance
for many years. By offering only the best programs to the Union
The Risk and Challenge for
Throughout the United States, there
is growing concern about the high costs of long term health care,
and the effect these costs may have on retirement security, quality
of life, and family budgets.
For the Retired, or
Soon to Be Retired Person
The costs of long term health care
may represent your greatest threat to financial security, particularly
during retirement years and the risk of needing such care may
be much higher than you realize.
For the Working Age
Automobile accidents and serious
health problems create the need for long term health care for
people of all ages. Traditional medical insurance normally does
not cover such expenses which may present a serious threat
to family assets.
• 40% OF PEOPLE ON CLAIM NOW
NATIONALLY ARE OF WORKING CLASS AGE DUE TO ACCIDENTS.
• ELDERCARE IS FAST REPLACING
CHILDCARE AS THE NUMBER ONE DEPENDENT CARE WORKPLACE ISSUE.
A STARTLING 42% OF EMPLOYEES EXPECT TO ASSUME ELDER-CARE DUTIES
WITHIN 5 YEARS. ( The Wall Street Journal
7-8-98, referring to The Families & Work Institute’s National
Study of Changing Workforce.)
• FOR THE FIRST TIME IN HISTORY
STATISTICS SHOW THE AVERAGE AMERICAN WOMAN WILL SPEND MORE TIME
TAKING CARE OF HER PARENTS THAN SHE WILL RAISING HER CHILDREN.
• RESEARCH SHOWS THAT CAREGIVERS
EXPERIENCE STRESS AND PRODUCTIVITY LOSSES ON THE JOB. NINETY-ONE
PERCENT OF THE EMPLOYEE CAREGIVERS ALTER THEIR WORK HABITS,
USUALLY IN A NEGATIVE WAY. ( The Long Term Care Handbook, 1996
(Source: National Alliance
for caregiving and National Center for Women and Aging Brandies
Our health can change at any time.
You are only as healthy as you are today.
Call Long-Term Care Specialist
Toll Free 800-596-5947
Insurance Eligibility-Ages 18 to
Sources: Dept. of Health
& Human Services, The Insider’s Guide To Long-Term Care, Money
Magazine-Apr. ’88, Journal of Accountancy-Feb. ‘93.
are Your Choices:
- a federally funded welfare program that requires
you "spend down" your assets and depend on sub-standard
your personal assets - Studies show that 33% of all long-term
care patients, that are married, exhausted their assets in
just 14 weeks! Is that really why you saved your money?
dependent on Your Family - Could your family handle the
physical and financial burden of full-time care?
the Risk - You insure your car, your home, even your life.
Doesn’t it make sense to insure your assets and retain freedom
OWE IT TO YOURSELF AND YOUR FAMILY
CA Dept. of Insurance License No. OB71840