true freedom - home health care

Introduction – True Freedom

True Freedom is a Home Health Care plan only.  It doesn’t ask Health Questions and is priced for those that can’t qualify and/or afford  standard  Long Term & Home Care coverage.

Why True Freedom 

Medicare coverage does NOT include non-medical home care hours.

In the event of an unexpected injury or illness, True Freedom plans  allow you to:

A) Delay or avoid having to move to a rehab unit/assisted living facility/nursing home?

B) Receive custom home care assistance from either a licensed home care agency or compensate a friend or neighbor willing to provide assistance to them?

C) Avoid becoming a burden to a spouse or adult children who would have limited time or ability to meet all of your home care needs?

D) Have an affordable alternative option to traditional long term care insurance?

 

Be sure to review the brochure and other details below or to the right.

 

VIDEOS:

#Low Budget – Premium Resistance –
Can’t Qualify Health Issues?

Questions to ask yourself to figure out what you might need?

  • If you were unable to fully take care of yourself, that is you had along term care problem, claim or event, what are your plans  to deal with the costs, emotional issues and stress on your loved ones?
    • Where will the money to deal with a disability come from to pay for your care and/or assistance?
  • How will this impact your retirement nest egg?
    • And that of your spouses along with leaving money for your children?    Building a Long Term Strategy
    • Would an extra bill for $60-$80k/year in your retirement be a problem for you?
  • Check out CA Department of Aging for their Taking Care of Tomorrow booklet for more information

 

Other Options & Ideas?

Medical History Problems?

Here’s a short term highly liquid MYGA Multi Year Guaranteed Annuity for those who prefer to pay out of pocket instead of going with a lifetime income solution to pay for care at point of need. For someone already diagnosed as impaired a pre-planning solution like the FG isn’t an option really, so I thought you may like to see this.

It has an optional ROP rider, pays full account value at death, and has a 15% annual penalty free withdrawal available yr one. So, as an alternative to a bank account this is much more attractive as they client can get more interest on their funds while maintaining a high level of access and an exit strategy via the ROP feature. We would typically make the impaired the annuitant so at their death, the funds are 100% payable to the bene including interest.
• Preferred Series Annuity (Principal) – This is a super liquid fixed rate deferred annuity for those who opt to continue taking regular withdrawals from a lump sum they have set aside to pay for care)

I’ve also included links to other solutions for your convenience.

Point of Need Care Funding Solutions:

• Income Assurance (Genworth) – Underwritten SPIA to maximize income for the impaired
• LifecareXchange (GWG) – Turn Life insurance into cash even if the policy has no cash value
• Reliable Living Plan (Legacy/Americo) – 1st ever guaranteed issue single premium LTCi

 

  • Medi-Cal  Medicaid
  • Social Security or Pension
  • IRA
  • Veteran’s Aid & Attendance
  • Forgotten Assets & Life Policies Sell home or Reverse Mortgage Charity – Faith Community Low amount of Long Term Care to fill gaps
  • Medicare.Gov other long term care choices

 

Bibliography

This is our cut & paste to 12 point type and adding line spacing to the official Terms & Conditions.  NOTHING here changes anything in the official document!!!

 

#Terms and Conditions

The following Terms and Conditions (the “Terms and Conditions”) are hereby incorporated as an integral part of the True Freedom Enrollment and Service Contract (collectively, the “Agreement”), between American Senior Services, Inc. a Florida Corporation (“ASSI”), and the member named in and who signed the Agreement (“you”).

THIS AGREEMENT IS NOT INSURANCE, BUT RATHER CONSTITUTES A SERVICE CONTRACT. THIS IS NOT A REPLACEMENT OF ANY INSURANCE POLICY. IT IS NOT INTENDED TO BE UTILIZED AT THE TIME OF ENROLLMENT. (REVIEW SUITABILITY TO VALIDATE YOUR PURCHASE BELOW.)

A member must be able to live independently at the time of enrollment and cannot currently be in need of or receiving any assistance (including from family members) with activities such as bathing, dressing and transferring at the time of enrollment. If the intent upon enrollment is to go on service for a current condition following the initial 90-day Waiting Period, that would not be a suitable membership.

[Suitability Survey 

copied from enrollment form

Question?

Are you currently able to perform daily activities such as bathing, dressing, and transferring
without assistance from anyone (including family members)?

Are you able to live independently at this time?

Are you aware that the True Freedom Homecare Plans are NOT insurance?

If you answer NO to any of the above questions, DO NOT submit the enrollment.

All of the benefits and membership terms & conditions in this field issued Contract that I selected were explained to me
in full and a signed copy left with me. I, of my own free will, answered all of the above questions.]

 

Yes No

 

ASSI’s membership program arranges for non-medical services to be provided in the comfort of your own home, either:

ANYTIME Home Care Services can be utilized any day/ evening/ night, including weekends and overnight service (or 24 hours/ 7 days a week live-in service), up to the total number of hours specified under the plan that you purchase.

At the time that you designate a friend or neighbor for the ANYTIME Home Care Service, you will sign a release of ASSI from any liability for injuries or damages caused by your friend or neighbor.

The selected friend or neighbor must also be approved by American Senior Services, Inc. Pre-authorized requests of 8 hours or more will be considered as 24-hour live-in services for that day. Payment will not exceed $150 for a live-in friend or neighbor in any given 24-hour period.

AGENCY Home Care Service Up to five (5) hours a day, Monday through Friday between 9:00 a.m. and 5:00 p.m. by a network agency excluding National Holidays. Payments to network agency cannot exceed $150.00 a day. ASSI may change AGENCY service providers at any time.

In order to receive the AGENCY Home Care Service hours or the ANYTIME Home Care Service hours, your membership must be in effect for ninety (90) days (the “Waiting Period”), during which you cannot use any of the hours. Once the Waiting Period has elapsed, AGENCY Home Care Service hours and ANYTIME Home Care Service hours can be mixed and matched, up to the total number of hours specified under the plan that you purchase: provided however, that both AGENCY Home Care Service hours and ANYTIME Home Care Service hours cannot be utilized in any single 24 hour period.

Notwithstanding the preceding paragraph, at any time after your membership has been active for ten (10) days, if a temporary situation arises during the remainder of the Waiting Period, then you may request EMERGENCY CARE BENEFITS during the Waiting Period, which may be AGENCY Home Care Services or ANYTIME Home Care Services, with the maximum service hours available being ten percent (10%) of the initial total number of hours specified under your plan.

The Lifetime Membership Hours of each plan are equally divided into ten (10) separate bundles.

Once the service hours in the initial bundle have been exhausted, following a 90-day Rejuvenation Period (of non-use), the 2nd bundle of plan hours of a membership can be accessed.

A total of nine (9) Rejuvenation Period occur separating each bundle of hours that add up to the total Lifetime Membership Hours of a contract. All plans cover a period of twelve (12) months (each a “Term”). Unused hours from a preceding term will roll over and must be utilized before service hours in a new bundle can be accessed following a 90-day Rejuvenation Period. The Home Care Hours of any plan can rejuvenate for up to the “Maximum Lifetime Membership Hours” which is a total of 10 times the initial bundle of hours of your chosen plan. Multiple bundles of hours can be utilized within a twelve (12) month term within the parameters of the contract. Contracts must be kept current through all periods of membership and continued access to any unused service hours in a chosen plan.

TO ACTIVATE SERVICES

To receive services, call the ASSI toll free customer service number: 1-888-245-9001

Please allow between 24 and 72 hours after your call for ASSI to coordinate services. Requests should be prudent and necessary. All service requests must be pre-authorized by ASSI. All unauthorized claims will be denied, and member will be responsible for payment of those services. Contract must be paid in full if service is activated within the first 12 months. (Any membership fee discounts for non-use will discontinue when home care service is activated and will return to the original membership fee on the next payment due for the remainder of the membership.)

CANCELLATION

Non-payment of fees will result in cancellation of your membership, with cancellation occurring if a monthly bank draft fee is not paid by the due date of the contract. If a membership invoice isn’t paid within 30 days of its due date, membership will be cancelled. In addition, all memberships include a one-time 10-day cancellation period. The cancellation notice must be submitted to ASSI in writing in a signed letter (no faxes or emails), post-marked within 10-days from the effective date of your membership. Full refunds will be made during this time only.

After 10-days, you may cancel your membership at any time; however; ASSI is under no obligation to refund any portion of your membership fee.

In the event of death, your estate will be refunded on a prorated basis. Death certificate must be received within 90 days from the date of passing.

MAIL LETTER TO:

American Senior Services, Inc., 8250 Bryan Dairy Road Suite 350, Largo, FL 33777

MISCELLANEOUS

These Terms and Conditions may be amended from time to time by ASSI upon thirty (30) days prior written notice to you, sent to your home address as shown on the Enrollment Form. In the event of such unilateral amendment by ASSI, you have the right to terminate the Agreement by giving written notice of such termination to ASSI as specified above within ten (10) days after your receipt of the notice from ASSI of the amendment to these Terms and Conditions. If ASSI determines that misstatement, fraud or misappropriation of service was intended or utilized, ASSI reserves the right to terminate or revoke a membership contract.

This Agreement is made in and shall be governed by and construed under the laws of the State of Florida.

The failure of either of us to exercise any of our rights or to enforce any of the provisions of the Agreement on any occasions shall not be a waiver of such right or provision, nor affect the right of such party thereafter to enforce each and every provision of the Agreement. If any provision of the Agreement is held to be invalid, illegal, or unenforceable under any applicable statute or rule of law, then that provision shall be reformed to the maximum extent permitted to preserve the parties’ original intent as agreed by the parties; failing which, such provision shall be severed from the Agreement, with the balance of the Agreement continuing in full force and effect. This Field Issued Agreement is retained by you at the time of purchase, with a signed copy being delivered to ASSI, as well.

I have read and understand the Terms and Conditions in full.

See Enrollment form for original copy  –  Be sure to send the application back to us  [email protected]  * Secure upload

 

Video for BROKERS ONLY

Broker Information – ONLY 

some links that will help brokers  market the True Freedom Plans.

 

On Line Enrollment: https://vimeo.com/637478958/549dd7d4d1

 

Home Care Plan Product Review: https://vimeo.com/592294130/fb75a029a8

 

Value Training for an agent: https://vimeo.com/705467577/995fb6a79f

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