LTC TOOLBOX

HOME CARE SERVICE PLANS

AN EVOLUTION IN AVOIDING NURSING HOME CONFINEMENT

According to Health and Human Services, 70% of seniors will need some form of home care in their lifetime. That is nearly three out of four of us.

Many seniors are under the impression that their traditional health care programs will also provide the desired services in the home such as meal preparation, grocery shopping, assistance with hygiene, dressing, grooming, 24-hour care, etc. medicare, medigap and most Medicare Advantage Plans are designed to cover hospital stays, doctor bills and some short term skilled nursing. Unfortunately, they do not cover the cost of everyday assistance in your own home.

Traditional insurance is an option for such services, however this type of coverage is usually secured by individuals between the ages of 45 and 60 who are in better than average health. While your loved ones will have the best intentions to be there for you when an unexpected crisis arises, most are not prepared for the time, energy and amount of work involved in care giving and quickly become overwhelmed.

True freedom Premier Plans are the most viable alternative to traditional long Term Care Insurance. When assistance becomes essential in the event of a sudden injury or illness, these membership plans quickly coordinate and arrange care for seniors in the privacy and comfort of their own home. Every day can bring an unexpected challenge into a senior's life. The good sense of having a True Freedom Premier Plan in place will give members and their families the peace of mind, security and independence in being prepared as they move forward together.

True Freedom Plans presented by

Bill Morris (941) 927-1050

All True Freedom Premier Plans Feature:

Field Issue Contract

No Medical Underwriting
No Claim Forms
No Deductible
No Age Limits
Available Nationwide

Our plans can arrange for care "24 Hours a day / 7 days a Week" in the comfort of your home.

Available Savings Upon Enrollment:

A 5% Discount is available for individuals selecting an annual membership payment.

A 10% Discount is available on each membership for Husband & Wife / Domestic Partners when enrolling at the same time.

A 15% Discount is available on each membership for Husband & Wife / Domestic Partners when enrolling at the same time and selecting an annual membership payment.

PLATINUM PLAN

10,000 lifetime Membership Hours (10 X 1000 Hour Bundles) $250,000 *Current Lifetime Retail Value

$5,700.00 Annually / $475.00 Monthly

5% Annual Payment Discount For An Individual - $5,415.00

10% Discount For Couples/Domestic Partners - $427.50 Monthly (For Each Membership)

15% Annual Payment Discount For Couples/Domestic Partners - $4,845.00 (For Each Membership)

GOLD PLAN

6,000 lifetime Membership Hours (10 X 600 Hour Bundles) $150,000 *Current Lifetime Retail Value

$3,540.00 Annually / $295.00 Monthly

5% Annual Payment Discount For An Individual - $3,363.00

10% Discount For Couples/Domestic Partners - $265.50 Monthly (For Each Membership)

15% Annual Payment Discount For Couples/Domestic Partners - $3,009.00 (For Each Membership)

SILVER PLAN

3,000 lifetime Membership Hours (10 X 300 Hour Bundles) $75,000 *Current Lifetime Retail Value

$2,100.00 Annually / $175.00 Monthly

5% Annual Payment Discount For An Individual - $1,995.00

10% Discount For Couples/Domestic Partners - $157.50 Monthly (For Each Membership)

15% Annual Payment Discount For Couples/Domestic Partners - $1,785.00 (For Each Membership)

BRONZE PLAN

1,500 lifetime Membership Hours (10 X 150 Hour Bundles) $37,500 *Current Lifetime Retail Value

$1,140.00 Annually / $95.00 Monthly

5% Annual Payment Discount For An Individual - $1,083.00

10% Discount For Couples/Domestic Partners - $85.50 Monthly (For Each Membership)

15% Annual Payment Discount For Couples/Domestic Partners - $969.00 (For Each Membership)

SUITABILITY STANDARD FOR ENROLLMENT:

Prospective members must be able to live independently and cannot be currently receiving essential home care service or assistance (including from family members) at the time of enrollment.

AGENCY AND ANYTIME SERVICES INCLUDE:

Meal Planning / Preparation • Grocery Shopping
Assistance With Dressing • Light Housekeeping
Assistance With Bathing • Monitor Diet And Food Expirations
Toileting And Hygiene • Medication Reminders
Grooming • Accompany To Place Of Worship
Laundry, Ironing • Accompany To Doctors Appointments
Changing Linens And More

True Freedom Premier Plans are Service Contracts, NOT Insurance.

* The value of the “Lifetime Membership Hours” for each plan are determined from a current national retail average of $25.00 per hour for non-medical home health aides. All plan hours are divided into ten equal “bundles” that total the Lifetime Membership Hours of a chosen level contract. Each bundle of hours can be utilized as quickly or as slowly as required. Multiple bundles of hours can be accessed in a single calendar year within the parameters of the plan.