Critical Illness. Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers. According to a Harvard University study

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1 Critical Illness Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers According to a Harvard University study [each year] more than 1.5 million American households must borrow money from their home equity and their retirement savings to pay for expenses related to a critical illness like cancer that are not covered by their health insurance. [in fact] 700,000 families and individuals of all ages are actually forced into bankruptcy by these debts. [for example] According to the American Cancer Society 3,000 people are diagnosed with cancer - every day. But as much as 60%

2 of cancer related expenses are typically not covered by ordinary health insurance including many "new therapies and experimental treatments or medical procedures as well as fees for specialists or clinics that are not within the approved network. [what's more] Health insurance does not cover extended convalescence and home nursing care or assistance with housekeeping cooking, cleaning and childcare or the loss of earned income while the patient recuperates from surgery [and] struggles through chemotherapy or radiation treatments. But all these expenses can cost thousands of dollars over months or even years of treatment and recovery. So what's the solution? $50,000 / $100,000 / $200,000 [or more] use 2 nd example by chuck

3 paid directly to you tax free in addition to your health insurance coverage [and] usually within 20 to 30 days of reporting a doctor's diagnosis that you have any one of several major medical conditions [like] cancer / heart disease / stroke / kidney failure / blindness / paralysis / [even] Alzheimers / [or] Parkinsons The solution is Critical Illness insurance supplemental coverage for expenses not covered under your health insurance. [and] Here's how it works. The money you receive from Critical Illness insurance is in addition to any other coverage you have or other benefits you might receive. And this money can be spent however you choose to pay for medical expenses or non medical expenses even if those expenses are not directly related to your illness. [for example] If you cannot work during your illness you can use the money to pay your bills

4 or pay off your home mortgage / your car loans / [or] your credit cards. Critical Illness coverage gives you options that you don't have under your health insurance. Options that can improve the quality of care available to you [because] Critical Illness coverage enables you to pay for alternative therapies and in home nursing or convalescent care that are not covered by your insurance or doctors and clinics that are not in your insurance network. [and] Critical Illness insurance can prevent you from using up your savings going into debt or forcing you into bankruptcy. It can protect your home equity and your retirement accounts too. It can also keep you from needing to ask family or friends for financial assistance.

5 Just ask anyone you know who has personally suffered through a critical illness [like cancer]. Ask them how much of it was NOT covered by their health insurance and what a difference an additional $100,000 would have meant to them. [for example] Larry and Anne were in their mid 40s with 2 teenage daughters when Anne was diagnosed with breast cancer in They both had good health insurance through their employers but they also had $100,000 of Critical Illness coverage which they used to pay for expenses that were not covered under their company health plans. Because Anne survived her breast cancer but she was out of work

6 for more than a year and after she used up all her sick days and her vacation time her disability benefits paid less than 40% of her salary. [what's more] In addition to losing 60% of her income they also had $ 42,000 of other expenses hat were not covered by their health insurance. So if they didn't have Critical Illness coverage they would have been forced to withdraw the money from their retirement savings which would have reduced their retirement income by almost 40%. So ask yourself this... With cancer striking one out of every three people does it make sense to risk your financial security your home and your savings even your retirement to pay for expenses

7 that are not covered by your health insurance? Or does it make better sense to add Critical Illness coverage to your current health insurance? And prevent the need to use up your savings or borrow money from your home equity and your retirement accounts?

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