With today's advances in healthcare and increasing longevity, long-term care is a real and growing risk. Even one long-term care incident in retirement can put a real dent in a lifetime of savings. For many, long-term care insurance serves as retirement portfolio protection as well as a way to preserve one’s lifestyle in retirement. Today's policies can provide for care in one's home, in an adult day care or assisted living facility, in hospice care or in a nursing home.

The FCBA is proud to make the following special offer available to FCBA members:

• John Hancock Group Discount 5% off premiums
  The annual savings will more than pay your annual FCBA dues!
• Other leading long term care insurance providers are also available.
• Available to FCBA family members, including parents and in-laws of FCBA members
• Premiums may be tax-deductible
• Benefits are paid tax-free
• In-Home care assistance available
• Provider discounts available from nursing homes and health care facilities
• 800 # for direct customer service

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