Kim Skala, Agency Owner
After seven years in underwriting and technical support, Kim joined the Skala Insurance Agency team and in ten years became the Principal Agent in January 2014.
She is active in local Chambers, Red Key Network and her Agency participates in community sponsored events.
Kim loves spending time with her husband, two daughters, five cats, and dog Pocahontas.
It Won’t Happen To Me…COVID-19 Teaches Us Home Health Care Is The Best Choice
Most of us know the importance of having life insurance to protect against the impact of losing a loved one prematurely, but most of us may not know or understand the importance of having Long Term Care (LTC) Coverage – to remove/reduce the financial burden of needing LTC services later in life.
The ideas behind Life Insurance and LTC are the same – to help provide the least possible disruption to the lives of our loved ones.
Most people are ill-prepared to live a long full life, where they may need some assistance in their later years. This lack of planning places an unwanted burden on the same loved ones that may be so well protected through life insurance. Life insurance helps your family if you pass away, but what if you need assistance during life?
The principal reason for failure to act on taking the needed precautions is simply stated – “DENIAL!”
Most of us do not believe it will happen to us. Yet, statistics show that 70% of us reaching the age of 65 will need some type of long-term care in retirement.1 Would it not be prudent to place the same emphasis on covering, or at least co-insuring, the cost of needing LTC, as you would with life insurance and mortgage protection?
Why would it be better to burden your family with the increasing costs of LTC than not having adequate life insurance? Take action now to ease the burden in the future!
90% of seniors wish to age in place at home,2 now even more so having dealt with COVID-19 and the catastrophic impact it has had on the health of seniors living in Long-Term Care facilities. Associated Press has reported that 71% of the COVID-19 deaths in Ohio have occurred in nursing homes.3 Long-Term Care plans provide coverage for assistance while staying in your home.
There are many affordable ways to protect you and your family from the exorbitant costs of Long-Term Care. If you are between the ages of 40 and 75, call now to see if you qualify!
1 Centers for Medicare and Medicaid Services Medicare and You 2016
2 “Aging in Place”, Jane E Brody, The New York Times(May 2, 2016)
3 Associated Press, June 18,2020