Your Passport to a Flexible, Affordable Long Term Care Program. People are living longer these days. Unfortunately, living longer brings an increased risk of chronic health problems as people reach their most golden years. In fact, 60% of people over age 65 will need some kind of long term care because of a chronic illness or injury.¹

With the annual cost of nursing home care averaging $47,000², even a year or two in a nursing home can quickly eat into the assets you've worked hard to build up. The costs for other forms of long term care — for example, home health care and assisted-living facilities — can really add up, too. And consider this: If you're like an increasing number of adult children, you may find yourself responsible for the care of an aging parent or parent-in-law.

Regardless of whether you have saved enough to pay for long term care on your own, long term care insurance can help you — preserve your assets, maintain your independence, feel more comfortable spending money, afford to make annual gifts to your heirs, and do many other things you've planned for after retirement.

To help members and their families provide for long term care, ATLA or participating state trial lawyer association sponsors a free, no-obligation service — The Long Term Care Solutions Network.

¹ Your Money, December/January 1999.

² Health Care Financing Administration

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PRACTICAL HELP

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• Obtain help evaluating the kinds of long term care you or a member of your family may need: nursing home care, home health care, respite care, hospice care, adult day care, and assisted living.

• Learn whether long term care insurance is a cost-effective way to help you shoulder the burden of skyrocketing long term care costs.

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VALUABLE BENEFITS

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• Speak with a Licensed Long Term Care Consultant
  A Licensed Consultant at the ATLA-sponsored Long Term Care Solutions Network can help you evaluate different long term care options and how you can preserve your estate for your family.

• Consultants Don't Work on Commission
  You can rest easy knowing you're talking with someone who doesn't work on commission. Consultants with the Long Term Care Solutions Network focus on helping you figure out what's right for you and your family, not on selling.

• You're Never under Any Obligation to Buy Anything
  When you're ready, a Licensed Consultant can thoughtfully customize a Long Term Care Insurance Plan for you, your spouse, your parents or parents-in-law — a plan that fits your individual budget and needs.

• Call for a Free Consultation Today
  Put the services of the ATLA-sponsored Long Term Care Solutions Network to work for you. To speak with a Licensed Consultant, call toll-free 1-800-626-9068, between 7:30 AM and 4:30 PM Monday through Friday, Central Time .