penfed believes with the arrival of children, your financial needs shift. Possibly, you now are a single income family – at a time when expenses are increasing.

Between precious moments like little league and school plays and pressing responsibilities like grocery shopping and bill paying, many parents have such a full schedule that they forget to plan for the future.  Since it is impossible to predict the future, it is imperative that your family is properly protected.

Your Goals Revolve Around:

• Providing the best life you can for your family
• Managing cash flow
• Accumulating assets
• Moving forward in your career
• Creating a safety net for your family

“I’m a long way from needing a nursing home.”

What would happen if you or your spouse suffered a disabling accident or illness?

FACT – Nearly 40% of the people currently receiving long-term care are between the ages of 18 and 64. What would you do if you or your spouse needed long-term care? Could you handle the role of caregiver, breadwinner and parent? Or, could you afford the costs of home caregivers?

Have you thought about the impact of Long-Term Care on your life?

For Me – You’re more likely to need care than you think.

For My Spouse – Would you be able to care for your spouse, as well as meet your other responsibilities?

For My Children – What if a parent needs full-time help with day-to-day activities, like dressing and transferring from bed, eating or just moving about in the house? You might have to provide or pay for that care.  Where would the money come from?  Would you use your savings and jeopardize your ability to pay for your children’s college?

Considerations for Single Adults with Children – If you are responsible for other family members, how would you take care of yourself and meet your responsibilities?

Why you need to consider Long-Term Care insurance

penfed believes that long-term care insurance is an essential component of your financial plan.  Therefore, penfed has negotiated a premium discount for its members and chosen a company with more than 30 years of experience in selling Long-Term Care insurance to help you protect yourself and your family from the high cost of care.

Why you should act NOW

Long-Term Care coverage:

• Is cheaper when you’re younger
• Is available only when you’re healthy
• Increases in value over time
• Begins immediately

Learn More About Protecting Yourself From The High Costs of Long-Term Care
Will Long-Term Care affect you? Learn who will need Long-Term Care. Do you need to worry about Long-Term Care costs now? See how the cost of care is rising. Are you already covered? See who pays and who doesn’t