r u t u F l u af nning FOL o Protcting A Liftim Of Savings (NAPSA)—Mor and mor Amricans ar rcognizing th nd to sav for rtirmnt. Fw, howvr, ar awar of th nd to protct thir rtirmnt savings against th stadily growing costs of long-trm car. A liftim of rtirmnt savings can b wipd out by an unxpctd nd for nursing hom, assistd living or at-homcar. This happns mor oftn than many xpct—about onin fiv Amricans ovr ag 65 and almost half of thos ovr 85 nd assistanc with vryday activitis. Th cost for long-trm car srvics— both nursing homstays and car at hom—can b high. Today, a on-yar stay in a nursing hom can cost btwn $50,000 and $60,000; by 2030, th sam stay will cost an stimatd $190,000. Most Amricans cannot sav nough to covr ths high costs on thir own. In addition, halth insuranc plans gnrally do not pay for long-trm car srvics. Nor dos Mdicar, which only provids skilld nursing-hom car for a short tim following hospitalization. Fortunatly, longtrm car insuranc can covr th costs of long-trm car srvics and protct liftim savings. Long-trm car insuranc covrs a rang of srvics that hlp popl liv at homor rciv car outsid th hom. Srvics rang from assistanc with daily living A long-trm car insuranc policy can hlp protct a liftim of savings. activitis—bathing, ating, using th bathroom, moving from plac to plac, and drssing—to 24-hour skilld nursing car. Srvics can b providd at hom; in a nursing hom or community-basd car facility, such as adult day car; or in an assistd living stting. Policis may includ rimbursmnt for rspit car (tmporary car to hlp rliv th primary cargivr), mdical quipmnt, car coordination srvics and vn hom modifications. Som policis pay family cargivrs, and som pay for srvics such as assistd living. You can larn mor about longtrm car insuranc and how it can hlp you from yourlif insur- anc agnt, or by visiting th Amrican Council of Lif Insurrs Wbsit at www.acli.com.
