Palm Beach North Sports - April 2021

A p r i l 2 0 2 1 | P A L M B E A C H N O R T H SPORTS 5 LONG TERM CARE in the Event of an Injury By Lisa Sliney, MS, LNHA, Licensed Centurion Agent; lsliney@newyorklife.com You hear the term many times and yet, what is Long Term Care? This is the type of care that is needed when your loved one has a stroke, or a fall that leaves them with a broken shoulder, arm, or leg. The bottom line is that Help is what is needed, and that Help is not covered under Medicare for the most post. Long Term Care Insurance is affordable and is necessary to have if you are healthy enough to meet the requirement to obtain Long Term Care Insurance. In the daily life, we all go about our day and sometimes accidents just happen. The real question is, “Who is my Who in my life that will take care of me when I need it? Personal care is very costly, and Home Health Agencies offer Certified Nursing Assistants (CNA), Nurses, Personal Assistance, and range in pricing from $16 per hour to $40 an hour. If you have a Long- Term Care Insurance Policy, these costs are covered and even if you need to be in an Assisted Living Facility. There are options available to you and that is why I represent New York Life Insurance. Please reach out to me so that I may help to educate you what that looks like and the true need to have insurance in case you need help. Today, statistics will share with you that 94% of people over the age of 65 will need some form of Long-Term Care. Your family members will not be able to provide that to you for the long term. They will have their own lives to live and not be able to properly care for you. Do yourself and your family a favor and reach out now, while you are healthy, to get the information on Long Term Care. I know you will be glad you did. My husband had a stroke in 1999 and is grateful that I made sure he had a policy. Today, we have help in our home every day and I am still able to run my own business. There is no fee to find out more information. Please do call so you have better peace of mind. Lisa Sliney, MS, LNHA, Licensed Centurion Agent; lsliney@ newyorklife.com EXPERT CONTRIBUTOR