Cancer Plans

Preparing For Future Today Means Less Worry Tomorrow

According to the American Cancer Society, almost 1 in 2 men, and 1 in 3 women will get a cancer diagnosis during their lifetime.

Most Americans assume that their Major Medical Insurance will provide enough coverage, but the fact is that cancer patients and their families incur many additional costs that are not covered under a standard Major Medical policy. A specified Cancer Plan provides immediate cash benefits that will protect individuals and their families from unexpected financial costs, including:

• Travel and lodging expenses for out of town treatments and consultations
• In-home care
• Loss of income
• Special dietary needs
• Experimental treatments

A Cancer Plan is a much-needed compliment to your traditional Health Policy - providing peace of mind should you encounter the unthinkable. Don't worry about unknowns of tomorrow by getting them properly covered today!

Disability

Goes To Work For You When You Can't Work

Typically, people have insurance for their homes, cars and other valuable assets. However, people most often overlook protecting their ability to generate income.

Disability is an unpredictable event, and one that is often not planned for. Here are some sobering statistics:

• Almost 50% of all home foreclosures are the result of a disability.
• A 30-year-old man has a 1-in-5 chance of suffering a long-term disability before his planned retirement.
• A 30-year-old woman has a 1-in-3 chance of suffering a long-term disability before her planned retirement.
• Roughly 50% of people who suffer disabilities lasting longer than six months remain disabled after five years.
• About 1-in-7 employees will be disabled for five years or more before retirement.

Disability insurance, both short-term and long-term can provide much-needed benefits in the case of loss wages due to illness or injury. Disability insurance protects your most valuable financial asset- your earning potential. Having disability insurance guarantees an essential foundation of security for your financial future.

Disability insurance helps support financial obligations and maintains your standard of living. It can help cover expenses for household needs, such as utilities, groceries, and mortgage payments. It can also cover additional items, such as car payment and school tuition. Disability insurance helps provide financial security until you can begin working again.

At David A. Crotts & Associates, we have the information that you need to help you decide the right options for you and your family.

Long Term Care

Protect Your Family's Financial Future

Long-term care helps pay for personal care services when you are no longer able to care for yourself or perform everyday activities without assistance. Circumstances for long-term care can include a disability, physical illness or cognitive impairment, such as Alzheimer's disease.

According to the U.S. Department of Labor, the greatest uninsured risk Americans face today is Long-Term Care.

• Almost 70% of people who live to age 65 will need about 3 years of care in a long-term or assisted living facility.
• The average cost of living in a nursing home is about $80,000 per year.
• The average cost of an assisted living facility is about $40,000 per year.

Long-term care is not intended to improve your medical condition, but it will help maintain your current lifestyle. These services are available at a nursing home, assisted living facility, an adult daycare, hospice care center, Alzheimer's facility, or even in a personal residence. Home care coverage options include a companion, care-giver, therapist, housekeeper or private duty nurse.

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Many Americans assume that Medicare will pay for their long-term care expenses, when in fact it does not. Medicare may pay for a portion of skilled nursing and rehabilitative care needs, but only if a series of strict requirements are met, and only for a limited time period. In addition, Medicare does not pay for expenses incurred from intermediate, custodial, or Alzheimer's care.

Purchasing a long-term care policy provides you with:

• Peace Of Mind.
• Asset Protection
• Less Burden On Family Members.
• Increase Access To Quality Care.
• Freedom Of Choice.

The average life expectancy of Americans living today is about 75 years. As we live longer, it is more likely that we will need long-term health care services. Long-term care insurance can help protect your familys' assets against the high cost of extended personal care needs.

Dental and Vision: A Happy Smile and Clear Vision

Everyone knows how important it is to have Health Insurance, but what about Dental and Vision coverage?

Studies have shown that dental health is directly linked to overall wellness and disease prevention, yet most Health Insurance plans do not include comprehensive dental coverage. What does this mean? It means that routine visits to your dentist are often skipped, leading to the likelihood of more costly and invasive tooth and gum problems down the road. According to the American Dental Education Association, every $1 spent on preventive dental care can save you $8 to $50 in future expenses.

Dental coverage can help you pay for checkups, cleanings, fillings, extractions and in some cases, even restorative care such as crowns and bridges. (DCA ??) offers a variety of Dental plans that are affordable, flexible and convenient and can provide coverage for your entire family

Practicing good eye health and proper eye care are both key to preserving your vision Supplemental Vision plans make this easy, giving you access to a nationwide network of Doctors and Optometrists. In addition to yearly eye exams, our plans offer coverage for glasses, contact lenses and even discounted Lasik surgery.