(Add

1
(Addl speaker notes under Helene Shear Noyolas
presentation titled Real Estate Issues Affecting
Seniors)Planning for Aging Costs and Concerns

• Teresa Clasby, Investment Adviser Representative
• Schneider Insurance
• 633 S. Concord St., 300
• South St. Paul, MN 55075
• [phone]

Securities offered through Woodbury Financial
Services, Inc., Member FINRA, SIPC and Registered
Investment Adviser. Schneider Insurance and
Woodbury Financial Services, Inc. are not
affiliated entities. NOT FDIC Insured.
Investments may lose value. NOT Bank Insured.
NOT Insured by any government agency.
2
Need Care Now

• Two primary options
• Assisted Living
• Aging at Home

3
Assisted Living

• How to Pay for Assisted Living?
• Medicare ---Very Limited
• Medicaid --- Possible
• Medicare Supplement Insurance --- Very Limited
• Govt LTC, CLASS Act --- Yes
• LTC Insurance and Insurance Hybrids --- Yes
• Veterans Benefits --- Possible
• Affordable options for Privately Paying for Asst
  Liv

4
Aging at Home

• How to Pay for Services at Home?
• Medicare --- No
• Medicaid --- Possible
• Medicare Supplement Insurance --- No
• Govt LTC, CLASS Act --- Yes
• LTC Insurance and Insurance Hybrids --- Yes
• Veterans Benefits --- Possible
• Affordable options for Privately Paying for
  services at home

5
Planning for the Future

• Organizing and understanding your finances
• Anticipating changes in your health abilities
• Estimating future pressures on your financial and
  care resources
• Making informed decisions

6
Resources

• Helene Shear Noyola for assessing housing and
  care options for seniors and their families.
  [phone]
• Regional Alzheimers Association for good advice
  about cognitive changes. [phone],
  www.alz.org/mnnd.
• Senior LinkAge Line for advice about local
  resources. [phone],
  www.Minnesotahelp.info.
• Free copy of A Shoppers Guide to Long-Term Care
  Insurance published by NAIC for consumer
  protection and education. (Call Teresa Clasby
  651-815-3399 if you cant locate a copy.)
• Real Wealth weekly radio programs and book
  recommend-ations on current topics at our website
  www.myrealwealthadvisor.com/schneiderinsurance.