LONG TERM CARE INSURANCE BENEFIT

It is the kind of help you need because of an accident, prolonged illness or when the frailty of older age makes it difficult for you to care for yourself for an extended period of time.

Long term care services are provided by registered nurses, physical and occupational therapists, home health care aides and social workers. These services can occur at home, adult day care, assisted living facility or nursing homes.

Long term care insurance is an effective solution for meeting the cost of long term care. It protects families from the devastating financial losses that can occur when someone requires assistance. Furthermore, it helps maintain freedom of choice and ensures high quality of care. These benefits make long term care insurance a critical part of personal financial planning.

Buying coverage at a younger age reduces the total amount of premiums you will pay. In addition, you avoid the problem of becoming uninsurable because of health conditions

At Marshfield Clinic long term care is a voluntary benefit paid for by the employee or the employee's eligible family member. Acceptance is not guaranteed. Certain conditions may affect eligibility.

All Marshfield Clinic employees, spouses, parents, and parents' in-law are eligible.

Legacy Services, Inc. specializes in long term care insurance. As an independent agency, they represent multiple carriers. This flexibility allows Legacy to match the right coverage for your specific needs.

Inquiries into long term care insurance can be made at any time of the year! Legacy Services, Inc representatives are scheduled to provide annual on-site visits on/or about May. In the meantime, you may contact Human Resources (extension 9-3318) for an educational seminar booklet and view the presentations through your computer (home or work) or contact Legacy for a one-on-one consultation. We encourage you to become informed about the issues of long term care and hope the education and personalized service available through this voluntary program will be beneficial to you and your family.

All employees and their families can have a no obligation, one-on-one meeting to discuss coverage options. Legacy agents provide advice on policy features, competitive comparisons and different pricing options.