About 70 percent of individuals over 65 will require at least some type of long-term care services during their lifetime. Over 40 percent will need care in a nursing home for some period of time. Factors that increase your risk of needing long-term care are:

• Age – The risk generally increases as you get older.
• Marital Status – Single people are more likely to need care from a paid provider.
• Gender – Women are at higher risk than men, primarily because they tend to live longer.

Notice all the older widows at church- I guarantee there are many more who are homebound or in Assisted Living.

• Lifestyle – Poor Diet and exercise habits can increase your risk.
• Health and Family History – also impact your risk.

While most people who need long-term care are 65 or older, a person can need long-term care services at any age. Forty (40) percent of people currently receiving long-term care are adults 18 to 64 years old. Yes, the history of many Long Term Care Providers can be discouraging, but the Knights of Columbus is unique. Premiums have never been raised and clients have not been denied access to their benefits because of the fine print. I will explain your policy in detail with your family present, and there are options that can fit most peoples’ budget. If you are 40, ask yourself. Do I pay $100/month now or pay $6000/month in today’s dollars for care I need in the future.

Some of you are thinking, I have Cal-PERS (just days ago another “across-the-board” premium increase announcement), or I have Veteran Benefits (long waits for care), or I can utilize Medi-Care (limited benefits), or I will be covered under Medi-Cal (no money left-poor care). My current policy is all I need (see above). Why not get a second opinion?

Husbands, you owe it to your future widow to consider her Long Term Care after she took care of you.

If you are not currently a LTC policyholder, I suggest that we schedule some time together so that I can provide additional information on how you can avail yourself of this significant, value added benefit.

Fraternally, Your Brother and Field Agent,
Marco Manrique
CA LIC 0I39878, FA16570
(707) 301-1783
marco.manrique@kofc.org