Posts Tagged ‘ insurance services ’

Free Long Term Care Seminar June 17


long term care

Members 1st Federal Credit Union is hosting the following free seminar for the public:

TOPIC: Long Term Care Seminar

DAY: Wednesday, June 17

TIME: 5:30 to 7 pm

LOCATION: Linglestown Giant Community Center, 2300 Linglestown Road, Harrisburg

SEMINAR SUMMARY: Attendees will learn more about the costs associated with long-term care, how a comprehensive coverage plan can help you with home health care, adult day care, assisted living and skilled nursing care; and potential tax benefits.

PRESENTED BY:  Ben Lausch, Health Benefits Specialist and Deb McClain, Commercial Insurance Manager, both of Members 1st Insurance Services and Mike Baker, Director, Brokerage & Affinity Markets, AffinityLTC, LLC.

COST: free

RSVP: (717) 458-6269 or (800) 283-2328, ext. 6269 or click here.

Have you had the talk… about Long Term Care?


Golfers

Do you know what you or your loved ones want regarding long term care? Would you want to receive care at home or in a facility with round-the-clock nursing staff? Are you counting on family and friends to help? Have you considered the costs of long term care?

As the years pass, there’s a good chance you may need assistance with life’s every day activities. If given the choice, you will probably want to stay in your own home and maintain your independent living. Sometimes, that’s not possible. Unfortunately, growing older and needing living assistance or care comes with a hefty price tag. You do need to think about it. Ask yourself:

  • Can I afford to pay for long-term care services out of my own pocket?
  • Do I have enough money in savings to pay for services?
  • Will I have to sell some of my assets? If I do, what would I sell?
  • If I have to pay for long term care services, how will that affect my retirement?
  • How will paying for long term care affect me and my family’s quality of living if they have to help me pay for care or take care of me?

couple_50s_dark hair_long term care_3The reality of aging Pennsylvania

  • Pennsylvania isn’t getting any younger. We rank fourth in the U.S. by percentage of the population age 65 and older and 1 in 5 Pennsylvanians are 60 and older.*
  • By 2030, 29% of Pennsylvania’s population will be 60 and older – that’s approximately 4 million people.**
  • The cost of long-term care in Pennsylvania averages between $70,000 and $100,000 annually.

Medicare and private health insurance programs do not pay for the majority of long term care services that most people need. That’s where a long term care policy comes in to help you manage these expenses and protect your retirement savings so you can have peace of mind when you need it most.

Plan now. Worry less later.

Retired Senior Man Having Health Check With Nurse At Home

Most of us will need some type of long term care service in our lifetime due to cognitive or physical impairments. Planning now will help with the inevitable costs relating to your care. A long term care policy will help you pay for:

  • personal care services
  • homemaker services
  • professional services such as a registered nurse, home health aide or therapist
  • assisted living
  • nursing home
  • hospice care

The costs of these services vary greatly and can add up quickly while depleting your savings. Purchasing long term care insurance now while you are younger and healthier allow for affordable premiums.

We care about you at Members 1st Insurance Services.***
Members 1st Insurance Services is an independent agency that works with multiple carriers. We don’t believe in a one size fits all approach. We will tailor your long term care insurance policy specifically for you by evaluating your needs and budget. We’ll guide you through your options so you can select what’s appropriate for you in terms of policy limits, maximum monthly benefits, elimination periods and inflation protection. We will also discuss additional optional benefits that may suit your needs.

Start a conversation today.
Ben LauschDon’t know how or where to begin with a long term care discussion? Share your thoughts with your significant other and other loved ones so that together, you can think, plan and discuss your ideas. Let me help you to start planning now for your comfortable, caring and affordable tomorrow. Call me, Ben Lausch, Health Benefits Specialist with Members 1st Insurance Services, at (717) 458-6269 or (800) 283-2328, ext. 6269

FREE Long Term Care Seminar – click for details.

*US Census Bureau, Demographic Profiles: Census 2010
**PA State Data Center. State and County Population Projection by Age and Gender, 2010 to 2040.
***Insurance services available to Pennsylvania residents only.

Don’t let your lack of insurance make a bigger disaster out of a natural disaster


tornado sky
Natural disasters can happen anywhere at any time. And they can occur in the same place more than once within days (remember the recent tornadoes that ripped through Oklahoma). Think again if you believe that Southcentral PA is immune to tornadoes, earthquakes, hurricanes, blizzards and wildfires. Members 1st Insurance Services is encouraging you take a good look at your insurance coverage to make sure you’ve done some fundamental planning that could save you, your loved ones, or your business a lot of headaches should Mother Nature decide to stir things up.

Even though you may have natural disaster insurance coverage and you’ve prepared for a disaster, being properly insured can be a big help in the aftermath. Make sure your insurance protects what’s important to you. When reviewing your natural disaster protection options with your agent, keep the following in mind: 

1. Do you have adequate insurance if something were to happen to you, your family or your property? Is there enough money to cover bills, any medical expenses, funeral expenses and more?
2. If you have a business, is it properly insured if a natural disaster hits your area?
3. What’s the process if you need to file a claim? If a catastrophe hits your area, is that process different?
4. Are your policies up-to-date? Member 1st Insurance Services offers an annual review to make sure your home, life, auto insurance, or business keeps up with the changes in your life.
5. Keep your agent informed if you’ve remodeled your home or added another room or basement. This helps to ensure your home owners insurance protects your entire home. It’s a good idea to also take photos of your home (inside/outside) and every room and its contents so you know exactly what it is you have. Keep a CD of your photos in a safe deposit box or other secured location where it will be protected. A picture inventory is a great way to keep track of your belongings. You may also want to consider having your home reappraised to get a better idea of its value.
6. Ask your agent how deductibles work after a catastrophe.
7. Think about valuable items insurance – taking out extra insurance at a nominal cost for special items such as expensive cameras, musical instruments, computers, engagement rings, artwork and furs.
8. Flood insurance is different from homeowners insurance. Homeowners insurance does not include natural disaster protection to cover floods. Flood insurance is a separate type of insurance that may be purchased to protect you from losses due to flooding.
9. Do you have a natural disaster plan  for your home or business? Talk to your agent and ask for tips.
10. Do you rent? Hopefully you’ve purchased renters insurance and if you haven’t, we strongly encourage it. Your landlord’s insurance doesn’t project your personal belongings. Ask your agent how renters insurance works after a disaster hits.

A natural disaster can happen anywhere not just within the confines of a certain geographic location. It takes about an hour to meet with an agent to discuss these issues. Members 1st Insurance Services is here to help you. We offer a free, no-obligation insurance quote and have products to meet a variety of typical personal insurance needs such as auto, boats, valuable items, personal umbrella, recreational vehicle, condominium, dwelling fire, homeowners, renters wedding, mobile home and flood. Call us at (800) 283-2328, ext. 5218 or 5245. A little advance planning right now can make a potential disaster a lot less stressful.

For additional help in the event of a natural disaster:
www.fema.gov
www.ready.gov
www.nhc.noaa.gov

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