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Options to help pay those bills!

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A Reliable, Tax-Free Solution To Help You Confidently Cover the Costs of Long-term Care
INCOME YOU CAN COUNT ON, WHEN YOU NEED IT MOST

A Reliable Insurance Plan

Are you or a loved one age 65 or older in need of long-term care (LTC) insurance but can’t qualify for it?

The average yearly cost for long-term care in the United States ranges from $24,455 for services in an adult day health care center to $83,580 for a private room in a nursing home.*

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This is one of the many tools we can use to protect your hard earned money.

Where does the money come from to pay for care? Is it from your savings? Do you sell off family assets? Or does the financial responsibility rest on family members? With the cost of care being so high, coupled with increased longevity, outliving your money is a real concern.

*U.S. Department of Health and Human Services, 2010 Costs of Care, LongTermCare.gov (2/21/2017).
In exchange for a lump-sum premium, you can choose to receive lifetime monthly benefits of as little as $1,000 or as high as $12,000**. Your premium amount, along with your overall health status, determines your monthly benefit.

Flexible Benefit Options

In exchange for a lump-sum premium, you can choose to receive lifetime monthly benefits of as little as $1,000 or as high as $12,000**. Your premium amount, along with your overall health status, determines your monthly benefit.
If you’re paying for long-term care expenses out of pocket, you likely have paid taxes on those same dollars. By purchasing the Reliable Living Plan, your benefits are tax free in most cases* and can be used to pay for qualified care.

Benefits Are Designed To Be Free from Federal Income Tax

If you’re paying for long-term care expenses out of pocket, you likely have paid taxes on those same dollars. By purchasing the Reliable Living Plan, your benefits are tax free in most cases* and can be used to pay for qualified care.
If different care or services are needed later, your Reliable Living Plan benefits will be available, as long as your health remains impaired.

Benefits Follow You

If different care or services are needed later, your Reliable Living Plan benefits will be available, as long as your health remains impaired.
You can apply for Reliable Living Plan benefits if you are 65 years old or older.

There Is No Maximum Age

You can apply for Reliable Living Plan benefits if you are 65 years old or older.
Unlike traditional long-term care insurance, where you must be in relatively good health to qualify, you can qualify for Reliable Living Plan benefits if you are experiencing chronic impairment, demonstrated by either the inability to perform two of six activities of daily living (ADLs)—bathing, dressing, eating, transferring, toileting, or continence—or a severe cognitive impairment.

There Are No Pre-existing Health Exclusions

Unlike traditional long-term care insurance, where you must be in relatively good health to qualify, you can qualify for Reliable Living Plan benefits if you are experiencing chronic impairment, demonstrated by either the inability to perform two of six activities of daily living (ADLs)—bathing, dressing, eating, transferring, toileting, or continence—or a severe cognitive impairment.
Help alleviate the financial, emotional, and physical burden on family members who may be providing assistance. Let your time together be quality time.

Relieve the Stress on Loved Ones

Help alleviate the financial, emotional, and physical burden on family members who may be providing assistance. Let your time together be quality time.

Neither Americo Financial Life and Annuity Insurance Company, nor any agent representing Americo is authorized to give legal or tax advice. Please consult a qualified professional regarding the information and concepts contained in this material and taxation as it applies to you.

*Under current IRS rules, benefit amounts that are in excess of the greater of (1) the stated per diem dollar amount allowable under section 7702B or (2) the actual dollar amount of qualified long-term care expenses, are taxable.

**Annual certification of chronic illness required to continue benefit payments.

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