On March 26, 2008, Governor Edward G. Rendell launched the state’s new “Own Your Future” campaign and urged Pennsylvanians to begin planning ahead to better meet their future long-term care needs.
“Planning for the future is not something that can be put off. If people do fail to prepare, it can carry very difficult and expensive consequences,” Governor Rendell said. “The ‘Own Your Future’ campaign empowers consumers to take steps now that will give them peace of mind and improve their future quality of life.”
Pennsylvania has the third largest percentage of people over age 65, trailing only Florida and West Virginia.
By 2020, approximately one in four Pennsylvanians will be age 60 or older. According to surveys cited by the U.S. Department of Health and Human Services, many consumers do not realize that standard health insurance, Medicare, and/or disability coverage do not pay for most long-term care services. Medicaid pays for some long-term care services, but only for consumers who qualify because of limited income and financial resources.
As part of Pennsylvania’s Own Your Future outreach effort, 1.7 million state residents age 45 to 65 received letters from Governor Rendell in March 2008 offering information about planning for the future in areas including finances, legal services, housing, health care and long-term care insurance.
As part of the outreach effort, the Pennsylvania Insurance Department has added new resources to its State web site explaining the basics of long-term care insurance, the different types of coverage available, sample rates and policies, and complaint information. This information can be found at www.insurance.state.pa.us in “publications” on the left navigation bar.
For consumers who did not receive a letter in March, they can receive their free copy of the Pennsylvania specific long-term care tool kit by visiting: www.longtermcare.gov/campaign or calling 1-866-752-6585.
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With medicaid, social security, and medicare all in financial dire straits, I couldn't see leaving my long term care up to the government. I found a place online (http://www.disabilityinsuranceadvisor.com/) and called an agent that took me through the options and gave me several policies to select from. I ended up with a policy that pays $140/day and increases annually with inflation. I also got rid of the elimination period so benefits start right right away. The coverage is affordable and now I don't care about government aid.
While thanking masscraft for his/her post, I want to remind everyone that this website has not been verified or endorsed in any way by the Lehigh Valley Chapter of the Direct Care Workers Association.
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