Sunay Shah's Dad

BENEFITACCESS RIDER

People are living longer than ever before. While there are many benefits to a longer life, you need to prepare yourself financially. It also means that you are more likely to be impacted by a chronic or terminal illness. In fact, there is a very good chance that you will become chronically or terminally ill. 5 in 10 people who are age 65 will deal with a chronic illness or disability later in life 1 like Alzheimer’s disease, a serious stroke, or crippling arthritis. It’s a hard reality to face because it’s not simply the thought of being ill; it’s all the additional hardships and arrangements that come with it. Living longer means you need protection for more than just your family. You need it for yourself. 5 IN 10 WILL DEAL WITH A CHRONIC ILLNESS OR DISABILITY LATER IN LIFE

If you were to become chronically ill:

REALITY CHECK

• Who would care for you? A member of your family? • Where would you live? In your home that may need to be modified for your comfort? • How would you continue to participate in family life? Would you be forced to miss daily life events like soccer games, neighborhood walks, and family celebrations?

80% of care at home is provided by unpaid caregivers, like FAMILY AND FRIENDS . 2

1 Favreault M, et al. Long-term Services and Supports for Older Americans: Risks and Financing. ASPE Issue Brief. Department of Health and Human Services. Revised February 2016, p. 3. Accessed November 21, 2018. 2 U.S. Department of Health and Human Services. Who Will Provide Your Care? http://longtermcare.gov/the-basics/ will-provide-your-care/ . September 21, 2018. Accessed November 21, 2018.