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Dental
Dental care costs are skyrocketing! Adequate dental coverage for
a whole family can make a huge dent in your annual budget.
To
alleviate this problem, Benefit Design Services, in conjunction
with several insurance companies, has developed comprehensive -
yet inexpensive - voluntary dental plans, to help you provide the
necessary dental care for everyone in your family.
Many
of these programs actually pay for themselves by covering your family's
routine dental exams.
Long
Term Care Insurance
Many people think that long-term care is something that only the
elderly need to worry about. But the facts say otherwise.
Here
are some important facts:
- Forty percent
of Americans currently receiving long term care are under the
age of 65.
- Right now,
nearly 1.5 million Americans live in a long-term care facility,
with another five million requiring some kind of daily living
assistance.
- The national
average cost of nursing home care is currently $41,000 per year...
with generally over 30% of that fee being paid out-of-pocket.
Long-term
care insurance, through BDS, helps to protect against the high costs
of an extended illness or disability. We offer a product which provides
the following:
- You can
receive care at home or in a long- term care facility. You make
the choice.
- No coordination
of benefits with Medicare or other insurance.
- Respite
Care benefits to relieve a caregiver when needed
- You do not
need to be hospitalized in order to receive benefits.
- The Total
Home Care option will pay benefits regardless of who provides
home care.
Start
considering your long-term care options now.
Critical
Illness Insurance
Most people expect that their health insurance policies will pay
for all their expenses in the event of a critical illness, however,
due to many hidden costs of a critical illness financial needs often
far exceed the coverage of a standard medical plan. A family can
be hit hard by overwhelming medical expenses and loss of income.
Explore
the benefits of a critical illness policy through Benefit Design
Services, Inc. A critical illness policy pays a lump sum benefit
(in the format of your choice) for covered illnesses, including
but not limited to heart attack, stroke, major organ transplant,
and coronary artery bypass surgery.
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