If you’ve been holding off on receiving information about the APBPA Long Term Care Program, it’s time to take another look. At APBPA we understand the importance of this coverage; many of us have policies of our own, and want you to feel the same security we do in knowing our retirement can be protected. In this day and age, long term care insurance is a key component to that protection.
Many have already exhausted their retirement in a very short amount of time in an effort to pay for long term care. Although Medicare provides valuable benefits, it doesn’t cover these costs.
Some years back, one of our Life Members faced a problem. He had a long career in baseball, over 20 years in the major leagues and several years managing in the minors. After his baseball days were done, he worked for a number of years before retiring at age 65. At that time, it appeared that everything was fine. He was drawing two pensions, his children were grown and gone, and he and his wife seemed financially secure. But then tragedy struck. She was diagnosed with Alzheimer’s Disease and had to go into assisted living. The family had no insurance for long term care, and within three years the family’s savings were exhausted. The pension income he received was barely enough to cover the cost of the outside care. The member’s wife died a few years later, and he died shortly afterwards.
Long term care insurance helps bridge the gap by covering the costs for nursing homes, assisted living centers and in-home care. In fact, 74% of consumers between the ages 55-65 are already looking into some type of long term care – that’s about 3 in every 4 Americans.
Unfortunately, many people decide whether or not to buy coverage based on their willingness to pay the premiums, not the need. The decision should be based on the longer view of protecting retirement assets. With our living longer comes the greater risk of needing care and the cost for that care can derail the best-laid retirement plan.
Although this protection is extremely beneficial, understanding the available options can be overwhelming. To help educate APBPA members about long-term care insurance, LTC Financial Partners is offering a comprehensive educational program to help you understand these options and determine if long-term care insurance is right for you.
In addition to educational materials, APBPA members and their family members may be eligible for discounted long-term care insurance through a top-rated carrier.
Call toll free (877) 743-7180 (M-F, 8am – 5pm PST) or visit www.apbpaltc.com to help relieve the financial and emotional burden on your family today to save a lot of worry tomorrow.
Traveling anywhere soon?
If so log onto our new travel website! This site allows you to make all your travel plans whether it's personal or business. Wanting to take a cruise to Hawaii, rent a car to drive to Vegas, reserve a hotel for that romantic get away...Do it all on our new website! We created this website for our members and their families. So, come on and take advantage of our new site...get great rates and help fund our Association!
Money has many different names and means different things to various people. But whatever you call it, there's only one way to manage it in today's economy---wisely!
Services understands that money issues can cause a tremendous amount of
personal and family stress and problems. And that’s why we are
offering you an on-line, self paced e-learningcourse to help you better understand and manage your personal finances. You will learn at your own pace and convenience.
The Course Developer
is Financial Awareness Institute (FAI) which for over 25 years has been
teaching the employees of major corporations, unions, government
agencies and the US Military how to get more out of what they make,
thereby relieving a great deal of personal and family stress. FAI is
unique because they offer no investment products or services of any
kind. They are not affiliated with any financial services company, are
truly objective, and do what’s in the best interest of their students.
You can check out the History of Financial Abuses in the Scam Alert on
their Home Page and you’ll see why you need to get financial education from an objective educator.
The Course that can help you:
Working with consultants from the University of Illinois Chicago, FAI
recently created an on-line, interactive, self-paced e-learning course
titled Making Ends Meet & Dreams Come True. The workbook
that accompanies this course has been used by tens of thousands of
employees since 1992 and now with Internet technology, can benefit many
more folks like you who may need help with the financial aspect of your
What You’ll Learn:(1) The five critical money management steps that everyone needs to know, (2) how to put your financial life on automatic pilot, (3) how to blend financial goals with major lifestyle choices, (4) the four critical advisors you’ll need throughout your lifetime, and (5) a lifelong process that can help you get the most out of your working career.
You can check out the course by going to FAI’s website: www.prosperwithfai.com/rn At the top left, click on: On-line Courses/Login. Then scroll down to the description of MEM&DCT
and you can click to view the full Table of Contents and even take a
Demo of the course. You’ll see first hand how this course can benefit
you. And you can also sign up for FAI’s free Scam Alert that describes
some of the financial scams that happen daily to workers in America.
Then you can help spread the word.
Benefit Services has
reviewed this course and feels that it can help a lot of our members.
And, FAI also offers a 30 day money back guarantee. So we believe it
is in your best interest to at least check out this course. Good luck.
Pre-Paid Legal Services, Inc.
HAVE YOU or ANYONE IN YOUR FAMILY EVER …
• Had your identity stolen? • Thought about writing or revising your will? • Purchased a home or plan to buy a home? • Received a moving traffic violation? • Paid a bill you knew was unfair? • Had a problem with child support or visitation rights? • Been involved in a divorce or separation? • Been over charged for a repair? • Tried to return a defective product? • Tried to return a defective spouse? • Signed a legal binding document and been sorry later? • Had difficulty collecting an insurance claim • Leased an apartment? • Been ignored by a landlord? • Wanted advice on a credit matter? • Needed help with excessive cell phone charges? • Had questions about your citizenship? • Worried about being audited by the IRS? • Been in a traffic accident? • Had a dispute with a bank or credit union? • Lost a security deposit? • Needed to collect money that was rightfully yours? • Been involved in a property dispute? • Dealt with legal issues because of the loss of a family member? • Thought you might be named as a defendant in a lawsuit? • Been accused of something you did not do? • Signed a purchase agreement from an auto dealership?
If you answered YES to one or more of the above questions You can benefit from a Pre-Paid Legal Membership!
Association of Professional Ball Players of America 101 South Kraemer Avenue, Suite 112 Placentia, California 92870