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Retirees and health care costs:
Protecting your clients’ assets
Why consider a home health care policy for clients:
Valuable benefits — Rather than going to a nursing
home, patients recovering from an illness, injury or
surgery can receive medical services at home.
Preventive care — Benefits include reimbursement for
prescription drugs and regular check-ups — physical, eye,
dental and hearing exams — all are important tools for
early diagnosis of an illness.
Affordable premiums — Not all clients can afford to buy
or keep a long-term care policy. A Home Care policy with
benefit riders may cost under $600 for 65-year-old.
When creating a retirement strategy for your clients, potential health
care costs could be one of their largest expenses and can’t be ignored.
Traditionally long-term care (LTC) insurance has been part of the
solution to help mitigate this risk, but what about those situations
when your client can’t pass underwriting requirements or afford the
premiums?
Also, a long-term care policy may not address the trend of patients
receiving care and medical services at home. Studies show that,
overall, more people use long-term care services at home (and
for longer) than in facilities. Such options for long-term care are
increasingly popular, in part because of the desire to remain in one’s
own home. 1 When asked, almost 90 percent of adults aged 50 and
over want to stay in their own home, for as long as possible. 2
Simplified underwriting — No medical exam is required
and only a handful of yes-or-no questions are asked.
Supplement to a LTC policy — A Home Health Care policy
can help fill any gaps in coverage, particularly during any
elimination period.
The bottom line is that you and your clients should have
options when it comes to managing the risks of health care
costs during retirement. A Home Health Care policy can help
provide solutions to the challenges retirees face with health
care expenses.
1 ACL.gov, Administration for Community Living and Administration on Aging; 2017 Profile of Older
Americans, April 2018
2 AARP Public Policy Institute, 2009; US Census Bureau, 65+ in the United States: 2010, Issued June 2014
Provide peace of mind for your clients
Our Home Health Care policy helps your clients get the care they
need in the privacy and comfort of their own home.
TO LEARN MORE, join us Friday, November 8 at 2:45 pm for a breakout session.
Call Jack D. Broughton at 1-678-567-2238 or visit
kemperseniorsolutions.com
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Kemper Health Home Health Care indemnity policies underwritten by Reserve National Insurance Company,
a Kemper company, Oklahoma City, OK. Kemper Health is the brand name for insurance products issued by
subsidiary insurance companies controlled by Kemper Corporation (NYSE: KMPR), a diversified insurance
holding company, with subsidiaries that provide an array of products to the individual and business markets.
For more information about the Kemper Health insurance products, see kemperseniorsolutions.com.
NOT TO BE USED FOR SALES PURPOSES
AN-HHC-SS (8/19)