$12 BILLION ANNUALLY. . .

That's the estimated productivity lost by employers because of their employees' care-giving responsibilities. The average time family caregivers spend on long term care is 18 hours a week. This time is often taken from the employer's most productive business hours.

$83,000 A YEAR. . .

That's the average cost of a semi-private room in a nursing home in the New York metropolitan area. A home health care aid costs about $18 per hour. Roughly 1 out of 4 households provides unpaid care to a relative or friend over age 50, and cost is a primary reason.

$0. . .

That's the cost of long term care services generally covered by health insurance and Medicare. Medicaid typically covers most long term care, but first you must spend down much of your assets and become indigent.

PRICELESS. . .

That's the value of your peace of mind when you purchase long term care insurance for yourself or a loved one. Discounts apply if you and your spouse both buy a policy at the same time. You can even buy a policy for mom and dad!

Long term care insurance helps you to pay for help with day- to- day living, such as assistance with bathing, dressing, eating and other activities that we normally take for granted. You may receive care either in a nursing home or in your own home.

Although 9 million men and women over the age of 65 will need long term care services in 2005, the need can arise at any age as a result of a disabling accident, a chronic illness, a stroke or dementia. The younger you are when you apply for coverage, the lower the premiums, and the more likely you are to be in good health when you apply.

For more information, take our "Long Term Care Quiz", learn "Long Term Care Facts and Myths" and find out if "Could This Be You?".

Just click here if you would like a proposal. If you prefer, please call or email Howard for information.