LTC_-_March_2010_1_

							95 West Fourth St ♦ Minster, OH 45865                                                                    March 4, 2010
(419) 628-2351
mclune@minsterbank.com                                                                                FOR IMMEDIATE RELEASE
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Long-Term Care
by Steven M. Eiting, CPA, Trust Officer, Minster Bank Private Wealth Management

Protecting you and your assets
A secure retirement includes protecting your assets from being depleted and avoiding the loss of your independence in
the event of a long-term care need. Long-term care insurance may help keep your assets from being depleted from the
cost of a devastating illness or disabling injury. People protect their houses with homeowner's insurance and their cars
with auto insurance. Protecting yourself, your family and your financial assets are equally important.

What Is Long-Term Care Insurance?
Long-Term Care insurance is a product providing benefits that cover a wide range of services including: nursing facilities,
assisted living facilities, in-home health care, adult day care and more. Long-Term Care insurance can protect a family’s
assets and provide the freedom to choose the type of care appropriate for their needs and circumstances. Like any
insurance product, Long-Term Care insurance allows the insured to pay a premium to protect against an unaffordable
catastrophic event.

Why Buy Long-term Care Insurance?
There are many people, old and young alike, who, due to some physical disability or cognitive disease, are unable to care
for themselves. Long-Term Care insurance potentially covers nursing homes, assisted living facilities, adult day care, in-
home care and other functions that help them get through everyday life. It is NOT medical insurance; it is simply for
everyday life functions and living.

Consider coverage for you or a family member if:
• You want yourself or a loved one to have the best long-term care available;
• You will not have enough assets to pay for adequate care of yourself or a loved one;
• You have assets you want to help protect; or
• You want to preserve an inheritance for your children and grandchildren.

Long-Term Care Seminar
An informative seminar about Long-Term Care is being held Thursday, March 25th at 5:30 PM at Minster Bank, 95 W.
Fourth St., Minster. The featured speaker is Dan Gallivan, a Long-Term Care Professional, of Vision Financial Advisors
LLC. Please RSVP by March 24th to 866-MINSTER or MinsterBank.com.

Investment & Insurance Products: Are not FDIC insured. Have no bank guarantee. May lose value. Not a deposit. Not insured by any federal
government agency.