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2 o Specialize in Retirement Planning, Estate Planning, and Legacy Solutions o Insurance planning services for all ages. o Includes: Healthcare, Medicare Solutions, and Long Term Care planning. o Asset Accumulation, Protection, and Distribution. (401k rollover, IRA, etc ) o A dedicated staff of seasoned professionals with over a century of experience. o All ARC Advisors are fully licensed and certified. o Outstanding, Accredited member of the Better Business Bureau. We work for you Not An Insurance Company
3 It s not what we have It s who we are. ARC has grown tremendously during an era when many companies have struggled to survive The company was created with the founding principle that we will provide our clients the very best planning services and product solutions available. Our formula for success is simple: Do what is best for our clients first, last, and always And make the same recommendations for our clients that we would make for our own families.
4 We proudly support And have donated $80,000+ to these and other charities
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6 THANK YOU! ARC CUSTOMERS MAKE A DIFFERENCE!
7 Today s Options AARP Mutual of Omaha Bankers Life United Health Gerber Blue Cross YOU Standard Life Humana Combined The Average Retired American is Being Bombarded with Information From Dozens of Different Companies All of these companies claim the same thing That their product is the best.
8 AARP Mutual of Omaha Bankers Life Gerber Today s Options Standard Life United Health Combined Blue Cross ING Humana YOU! Transport Life The difference between us and our competitors? We work for you.
9 We Bring You The Best Names In The Business And More.
10 Our Goal Is To Provide: o The Best Solutions o The Best Value o The Best Companies o The Best Service What makes American Retirement Counselors different? We work for you Not the insurance or financial services company!
11 Our world is changing The Baby-Boomers are starting to hit retirement age (10,000+ per day) People are living longer than ever before As a result, the retirement age group is the fastest growing part of our population
12 The Basic Retirement Model: ASSETS INCOME & LIFESTYLE Rather You Working For Your Money
13 The Basic Retirement Model: ASSETS INCOME & LIFESTYLE Rather You Working For Your Money The Challenge Is That We Have Other Financial Realities That May Affect Retirement
14 Financial Realities Affecting Retirement MEDICAL EXPENSES Doctor bills Hospital stays Surgeon s fees Walkers, Canes, Crutches Prescription Medications A major unplanned expense could be very expensive!
15 Financial Realities Affecting Retirement LIFE & LEGACY Final Expenses Income Replacement Estate Planning Legacy for Heirs
16 Financial Realities Affecting Retirement LONG-TERM CARE People living longer than ever before A Set New of Healthcare issues (Alzheimer s Disease, for example) Hospital stays shorter Over 70% will need care of some kind Costs can be very high Most have not planned
17 Financial Realities Affecting Retirement MEDICAL EXPENSES LONG TERM CARE ASSETS INCOME & LIFESTYLE LIFE & LEGACY
18 MOST PEOPLE HAVE A PLAN Sometimes it is a formal plan that was put together by a professional But for most people their plan consists of a variety of different products and investments that they have accumulated over the course of their working lives. This could include: Life insurance Accident coverage, cancer plans Savings plans, mutual funds, IRA s A variety of other things
19 MOST PEOPLE HAVE A PLAN We have found that many people have similar goals, but they can have very different circumstances unique to them Whatever products or programs you have accumulated over the course of your working lives, we can be reasonably sure that they were a good idea when you first got involved with them The challenge is that things have a way of changing And plans that fit and worked very well together 20 or 30 years ago, might not work as well today
20 MEDICAL EXPENSES LONG-TERM CARE LIFE & LEGACY P L A N N E D F O R FINANCIAL ALIGNMENT ASSETS INCOME & LIFESTYLE Protecting A Lifetime of Hard Work
21 THE FINANCIAL REALITIES OF HEALTHCARE AFTER 65
22 Financial Realities Affecting Retirement MEDICAL EXPENSES LONG TERM CARE ASSETS INCOME & LIFESTYLE LIFE & LEGACY
23 Why Focus on Healthcare During Retirement? Biggest expense Difficult to control Least understood Most likely to cause loss Dramatic changes And some very subtle but very important changes.
24 The 3 Cornerstones of Senior Healthcare Planning Traditional Medical Care Prescription Drugs Long-Term Care
25 MEDICARE This is one of the most important cards you carry
26 There have been more changes in Medicare over the past several years than in the previous forty years combined Medicare Introduced Prospective Payment System Introduced Result: Patients being moved from the hospital faster than ever Nursing Home admissions up over 40% within 6 mos. of the adoption of DRG system. Medicare Part C Medicare Advantage Plans PFFS HMO, HMO/POS PPO Medicare Part D Prescription Drug Plans Introduced. Plan Benefits and Formularies Change Every Year CMS Center for Medicare & Medicaid Services To Administer Both Plans Am I an inpatient or in for Observation? Staying overnight in a hospital doesn t always mean you re an inpatient. You may be in the hospital for Observation. This affects whether you ll qualify for Part A coverage in a skilled nursing facility and what you will pay. Visit Medicare.gov/publications to view the fact sheet: Are You a Hospital Inpatient or Outpatient? If You Have Medicare Ask! Change will continue to dominate the Medicare landscape and it will come at an accelerated pace as we move further into the new millennium!
27 Every year Medicare publishes Medicare & You This publication contains some very important information about changes in how your benefits will work for the current year. This year, there are some very important changes you need to know
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30 Medicare More Choices Than Ever More Changes Than Ever! Traditional Medicare Medicare Part A : Hospital Insurance Medicare Part B : Medical Insurance Medicare Part C : Medicare Advantage Plans (HMO & PFFS) Covers both Hospital and Medical Many at NO or VERY LITTLE ADDITIONAL PREMIUM! Most people will also have a Medicare Supplement if they keep Part A and Part B. Medicare Part D : Prescription Drug Plans May be a Stand Alone plan with Traditional Medicare or included as part of a Medicare Advantage plan.
31 Planning For Traditional Medical Expenses Two Approaches: Your Retirement Healthcare Options Traditional Medicare Part A + Part B + Medicare Supplement + Part D Drug Coverage Medicare Advantage Part C PFFS, HMO, PPO May Include Part D Which Direction is Right For YOU?...
32 Regardless of Which Approach You Take All of these plans share these common features: Hospital Co-Payments Medical Co-Payments Skilled Nursing Co-Payments Payments Based on Medicare s Fee Schedule
33 What Do All Of These Plans Have In Common? o Medicare WILL NOT allow you to stay in the hospital for an extended period of time o There is a STRONG possibility that even if you stay overnight in the hospital, it might be coded as Observation not an inpatient stay. o Remember: Medicare changed the rules for hospital stays in o If you re ready to go home, they will send you home. o If you re not ready to go home, you will be sent to a Skilled Nursing Facility A Nursing Home.
34 Under Medicare Part A, if you are moved from a Hospital to a Skilled Nursing Facility Days of care in Skilled Nursing Facility Day 1 Day 21 During each Benefit Period You have to Pay up to: $0 (No Deductible) $166 per day (Co-Payment) Day % of the bill after day 100
35 Three Levels of Nursing Home Care: Skilled Intermediate Custodial
36 MEDICARE ONLY PAYS FOR SKILLED CARE! o The average Approved stay is 28 days o The average Length of stay is 2.5 YEARS This might not all be at one time! There are two basic LTC needs: o Recuperative Care o Degenerative Care Because of the need for care during a long-term Recuperative Care situation, you may have a need for care several times during your lifetime!
37 The Average Cost of Care is $170 per day North Carolina Avg. Daily Nursing Home Rate : Private Avg. Daily Nursing Home Rate : Semi- Private Avg. Monthly Cost in Assisted Living Facility Home Health Aide Average Hourly Rate Homemak er Services Average Hourly Rate Adult Day Services Daily Rate Charlotte , Raleigh/Durham , Rest of State , State Average ,
38 The Real Question: How Long Could You Afford To Pay $170/Day Out of YOUR OWN POCKET? And Obviously, If There Was A Way To Take Care of That Expense in an Affordable Manner Certainly You d Want To Take Advantage of it, Wouldn t You?
39 AN EXAMPLE OF A MEDICAL EXPENSE A Broken Hip: o Hip Replacement Surgery o Three Day Hospital Stay Your Share: $0 - $6,000 Depending on the specific plan you have.
40 A Complication As a complication to your surgery you have a blood clot develop which moves through your system undetected which causes a stroke. The good news: You will recover The bad news: It will take 9 months, and the total cost will be over $50,000
41 Two Questions:: 1. Let s suppose that your plan covered everything else, and you were left paying virtually no co-payment for the hip replacement surgery But you had to pay $50,000 out of your own pocket for extended care while you recover... If you had to pay $50,000 out of your own pocket in a situation like this: Is your health plan really doing what you want it to? 2. Ideally, what do you want your health plan to do for you?
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