Security In Times Of Need
Like Cancer Plans, Critical Illness plans can offer a lump sum cash payment to the insured upon diagnosis of specific critical illnesses, such as heart attack, stroke, cancer or end stage renal failure.
The cash benefit is paid directly to the policyholder, to be used as they choose, and can help offset expenses such as:
Not intended to replace Major Medical Insurance, Critical Care plans are a compliment to your traditional healthcare policy. With each American facing the real possibility of some type of critical illness, it is more important than ever to be properly protected.
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:
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!
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:
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.
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.
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:
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.
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.
Give us a call today at (800) 803-7873, or Send Us A Message
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