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.
Which Would You Prefer…Institution or Home Health Care?
When the time comes that you may require some assistance to live safely and comfortably in your senior years, where would you prefer to live?
Results of studies:
“A person age 65 has a 70% chance of needing some type of long-term care during Retirement.” 1
“Today, more than half of all long-term care services are being provided in the home.” 2
“Ninety percent (90%) of seniors say they want to age in place at home.” 3
Consider that these are studies conducted prior to the Covid-19 pandemic, which would then suggest the ‘age at home’ preference may now be greater than ever!
Are you part of the 90%?
If you are part of that 90% or better, how might you best prepare for receiving care at home?
One effective solution:
A Nationwide Care Matters II plan.
Here are some of the unique features that can make the Nationwide Care Matters II plan work for you:
1) Cash Indemnity Plan – This means you have the full amount of your monthly benefit available to you, once you are certified to receive care.
2) No receipts are required. Your full monthly check or any amount under that comes to you to use as you see fit.
3) As long as the plan of care, prepared by a U.S. Licensed Health Care Practitioner, states that informal care is appropriate, benefits can be used to pay a family member or anyone else that you may feel is qualified.
4) No use it or lose it! There is a guaranteed amount of life insurance, whether none of the long term care insurance is used or even if all of it is used.
If you are 45 years of age or older there is no better time to see if you qualify than right now.
Call now to see if you qualify!
Sources:
1) Department of Health and Human Services 10/10/2017
2) American Association for Long Term Care insurance
3) “Aging in Place” Jane Brody, New York Times 5/2/2016
