• They suffer illness, disability, stroke, heart attack or injury and are not able to perform 2+ Activities of Daily Living at home.                          
• An unexpected accident that necessitates a nursing home stay.
• Alzheimer’s disease or Senility.

What is Long-Term Health Care?

With the effects of aging, Long Term Care needs result from the inability to care for oneself because of unexpected, prolonged illness or disability requiring Temporary or Permanent Assistance to perform Activities of Daily Living (ADL) - bathing, continence, dressing, eating, toileting and transferring.   Assisted Care can be in an Assisted Living Facility, in an Adult Day Care Center, in a nursing home, in an extended care facility, Or Hospice help at home

Who Will Need Long-Term Health Care?

• FACT:  80% of all Americans age 65+ will require care in a convalescent/nursing facility or home care sometime during their lifetime.[1]
• 7 out of 10 couples, by age 65, can expect at least 1 partner to be confined to a nursing home.[2]

Won’t My Savings Cover My Medical Expenses?

• A Nursing Care Facility can cost up to $96,000 a year
• In less than 1 year, 50% of all those entering a nursing home will have exhausted their assets
• Only after this “spend down” will Medicaid/Welfare provide assistance.[3]
• Medicare pays only 2% of all skilled nursing care expenses, and nothing for custodial or intermediate care - the type of care most people require.

What Are My Options?

• Deplete My Personal Assets
• Depend on My Family (willingness, time & ability) and My Family’s Assets
• Medicare/Medicaid “after” depleting my personal assets
• Transfer the” risk” to a trusted Private Insurance Agency

1. Elder Care: Making the Right Choice, Time Magazine, August 30, 1999  2. Addressing the Need; A Proposal of Long-Term Care, CNA, 1991 3. The Insider’s Guide to Long-Term Care, 1993  4. Listed in the “National Underwriter,” by Retiree Groups and Consumer Organizations

I am a retired elementary teacher. For twenty eight years I taught for the Goleta Union School District.

In 1991 I mentioned to my wonderful physician Dr. Wendell Klossner that I felt I should look into a long term healthcare policy. Dr. Klossner highly recommended Erica Salda as the agent.

I asked Erica Salda if I could write something about these years that we have been connected…because I am so grateful to her.

This Thanksgiving week she spent over an hour going over my policies with me…plus two follow up telephone questions that came to mind after I left her office.

While I was in her office she phoned the long term health care group and explicitly went into the present benefits available…although I am not thinking of going into that situation now.

Through the years I have phoned Erica numerous times with questions. No matter how trivial the question she has returned my call immediately. There has never been one time when I have experienced a delay. She has answered my calls while on vacations. Once she was in Costa Rica and immediately answered my call. None of those calls were emergency calls…simply I had phoned her.

Erica is absolutely amazing. Not only that, she takes care of any question or issue which comes up.

There was a possibility that I would need to have my nursing home policy pay for care in a convalescent home after major surgery. Erica got the forms and everything was set to go had I needed that care.

When it came time for me to look into supplemental insurance Erica got me into Blue Shield…thank heaven.

From time-to-time I phone her with questions about that policy…as well as questions about the benefits now available on my long term healthcare (nursing home) policy.

Am I ever glad I purchased those two policies…and that I purchased them through Erica Salda.

Erica Salda cares about her clients.

Her service is so outstanding that I cannot find words to adequately express my gratitude to her.

June Schuyler

Erica L. Salda, CSA,
President/Founder
E PRO Insurance Agency, LLC

463 Los Feliz Drive
Santa Barbara, CA 93110
P: 805-679-EPRO (3776)
F: 805-967-6254
erica@eproinsuranceagency.com
Personalized Retirement Options
License #0652408