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2024-5 May

Fraternal Benefits Message – May 2024

In the future, your ability to perform one or more of the most basic “activities of daily living” may challenge you. These ADLs include bathing, dressing, eating, toileting or getting in and out of bed. Before that time, you may lose the ability to perform one or more “instrumental activities of daily living” or IADLs, to include household chores, meal preparation or managing your finances. Consequently, you may require some form of outside assistance, whether in your own home, an assisted living facility or a nursing home.

We all know it is “other folks” who will need some form of long-term care assistance. Right? The odds are not actually in your favor, if denial is your default long-term care strategy. Why? Roughly 70 percent of Americans over age 65 will require some form of long-term care. Unless you have a plan now to pay the very real costs later, the only thing your children may inherit is you.

Just like you have insurance to cover the risks to your automobile, home, and life, long-term care insurance is a responsible way to cover the likely and catastrophic risk of needing long-term care. These policies pay for in-home care, assisted living care and skilled nursing care. The Knights of Columbus offer policies that pay a daily amount for a designated length of time. You owe it to yourself to find out more about this type of policy to protect you and your family in the future. Remember, we are a Fraternal order, whether it's a personal matter or a professional challenge, I am here for you. Our ears are tuned to listen, and our hearts are committed to finding solutions. Your journey is my priority, and your well-being is at the core of what I do. Have a great month and let me know how I can help you best.

Ryan Janak – Field Agent


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