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Long Term Care Real Life Story

Sent: Tuesday, April 15, 2014 11:20 AM
To: [email protected]

Dear Missy,

In the Fall of 1999 you wrote a LTC policy for a 77 year old woman, my mother. My sister and I decided to pay the premium for her by splitting the premium and each paying half. Mother could not afford the premium but we looked into the future and decided LTC insurance was the best option for her and us. In the Spring of 2011 mom was diagnosed with dementia (which she denies to this day) and she was placed in Assisted Living. She remains in Assisted Living but we are beginning to consider the next step, Memory Care. But my point is this: the LTC insurance you helped us choose has been a blessing, we did not have to sell her home to afford her care, the independence and stimulation she receives in Assisted Living is better than the fewer choices she would have had without LTC insurance, and even though she has been using her benefits for 3 years she still has a large amount of value left in her policy which eases our concern for her future care (you helped us choose an Indiana Partnership plan).

So, I'm sure you get the gripes when things go wrong, but I wanted to remind you of the times when things go, oh, so right. Don't know what we would have done without you and LTC insurance.

P.S. My sister and I are both retired now and our mother is 92. Sis and I were both able to go to Florida for a few months this Winter. How in the world would we have both been able to go if we did not have confidence that our mother would be well taken care of while we were gone?

Thanks for helping us chose the right policy for mom,

Sincerely,

T. W.

CC F.P.