It's a bird.
It's a plane.
No, it's Superman! Superman is perhaps the greatest superhero of all time.
He is an American icon.
He is faster than a speeding bullet, stronger than a locomotive.
He is able to leap tall buildings at a single bound and bend steel in his bare hands.
Unfortunately, most people seem to think they have a lot in common with the Man of Steel.
Many believe they are "bulletproof" when it comes to unforeseen situations that might make them dependent on others, especially for the long term.
Christopher Reeve, the actor who portrayed Superman in the movies, is the ultimate example of how this logic is something that should stay strictly limited to the comic books.
What most of us do not realize is that we also have our own brand of "Kryptonite".
It's called denial.
Chris Reeve was Superman in the mind of every film fan.
He was young, good looking and in great shape.
He had many years ahead of him to play the Metropolis Marvel.
Then came a life-altering horse riding accident.
A severe spinal injury left him paralyzed from the neck down.
He could only breathe with the help of a respirator.
He was 42 years old.
Reeve needed around the clock care and required extensive medical attention until his passing ten years later.
The annual cost for his Long Term Care was in excess of half a million dollars ($500,000) per year.
Fortunately, his successful previous career on stage and film allowed him to afford these expenses while receiving the highest quality of life given his condition.
For most Americans, however, this is not a luxury they can rely upon.
The average middle class family has an annual income of roughly $50,000 per year.
With long-term care, including home care, assisted living or skilled nursing averaging close to $70,000 a year per person, the question looms larger than ever; how do I protect my quality of life? Even though one in four adults cares for someone who is chronically ill, when asked about the possibility of it happening to them, the answer is often the same.
"That won't happen to me.
" "My kids will take care of me.
" "I'll just shoot myself.
" - Not exactly something Superman would say.
None of these common or amusing answers provides a reasonable solution.
While the percentage of people needing Long Term Care increases to 70% once they are over the age of 65, a dramatic 40% of people using extended care today are in the working force between ages 18-65.
Why be burdened with the nearly impossible task of self-funding this catastrophic expense, when a simple and realistic solution is available? The answer is Long Term Care Insurance.
A Long Term Care policy can provide a quality plan which allows you to stay in the comfort of your own home.
It helps to preserve your assets while not burdening your family.
It's flexible.
You can customize the coverage to meet your needs and your budget.
In Christopher Reeve's situation this would have had a huge impact in the additional preservation of his assets.
Fortunately, he could handle the load.
For most of us, however, Long Term Care protection is a necessity and not a luxury.
The biggest problem in catastrophic care is not age, health or affordability.
It is DENIAL.
Long Term Care Insurance won't turn you into Superman, but it will give you the peace of mind that comes with super protection for you and your family.
It's a plane.
No, it's Superman! Superman is perhaps the greatest superhero of all time.
He is an American icon.
He is faster than a speeding bullet, stronger than a locomotive.
He is able to leap tall buildings at a single bound and bend steel in his bare hands.
Unfortunately, most people seem to think they have a lot in common with the Man of Steel.
Many believe they are "bulletproof" when it comes to unforeseen situations that might make them dependent on others, especially for the long term.
Christopher Reeve, the actor who portrayed Superman in the movies, is the ultimate example of how this logic is something that should stay strictly limited to the comic books.
What most of us do not realize is that we also have our own brand of "Kryptonite".
It's called denial.
Chris Reeve was Superman in the mind of every film fan.
He was young, good looking and in great shape.
He had many years ahead of him to play the Metropolis Marvel.
Then came a life-altering horse riding accident.
A severe spinal injury left him paralyzed from the neck down.
He could only breathe with the help of a respirator.
He was 42 years old.
Reeve needed around the clock care and required extensive medical attention until his passing ten years later.
The annual cost for his Long Term Care was in excess of half a million dollars ($500,000) per year.
Fortunately, his successful previous career on stage and film allowed him to afford these expenses while receiving the highest quality of life given his condition.
For most Americans, however, this is not a luxury they can rely upon.
The average middle class family has an annual income of roughly $50,000 per year.
With long-term care, including home care, assisted living or skilled nursing averaging close to $70,000 a year per person, the question looms larger than ever; how do I protect my quality of life? Even though one in four adults cares for someone who is chronically ill, when asked about the possibility of it happening to them, the answer is often the same.
"That won't happen to me.
" "My kids will take care of me.
" "I'll just shoot myself.
" - Not exactly something Superman would say.
None of these common or amusing answers provides a reasonable solution.
While the percentage of people needing Long Term Care increases to 70% once they are over the age of 65, a dramatic 40% of people using extended care today are in the working force between ages 18-65.
Why be burdened with the nearly impossible task of self-funding this catastrophic expense, when a simple and realistic solution is available? The answer is Long Term Care Insurance.
A Long Term Care policy can provide a quality plan which allows you to stay in the comfort of your own home.
It helps to preserve your assets while not burdening your family.
It's flexible.
You can customize the coverage to meet your needs and your budget.
In Christopher Reeve's situation this would have had a huge impact in the additional preservation of his assets.
Fortunately, he could handle the load.
For most of us, however, Long Term Care protection is a necessity and not a luxury.
The biggest problem in catastrophic care is not age, health or affordability.
It is DENIAL.
Long Term Care Insurance won't turn you into Superman, but it will give you the peace of mind that comes with super protection for you and your family.
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