Welcome

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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Who Is Friends Life Care?

Foundation/mission Philosophy and approach to

vital aging Financial oversight

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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History

Founded in 1985 Mission to help people remain in their homes

as they age First and largest organization of its kind in the

U.S. Nonprofit Quaker-based organization

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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Friends Life Care Philosophy

Distinctive approach to independent aging Based on prevention and whole-health

promotion Two-pronged partnership in vital aging

(staving off decline/providing a safety net)

Security, vitality, independence VigR™

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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Who Provides Oversight?

PA Department of Insurance (CCRC)• Annual independent audit

• Annual disclosure statement

Actuarial oversight• Annual valuation by credentialed actuary (FSA, MAAA)

• Valuation independently audited

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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Who Provides Oversight?

Annual informational returns filed• IRS (Form 990)

• PA Bureau of Charitable Organizations

Independent governing board• Highly credentialed professionals (finance, elder law,

managed care, etc.)

• Quakers (majority)

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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You Have Long-Term Care Insurance

Some people add Friends Life Care membership to existing insurance policy

Why? Care Coordination and health/wellness support (VigR™)!

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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The Costs of Care Are High

$77,000 to $100,000 a year, per person Average of 3 years of care At least $231,000 to $300,000 total out of

pocket, per person, for 3 years of care

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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What Does Medicare Actually Cover?

100 days of skilled care in a nursing home• First 20 days fully paid

• Next 21–100 days partially paid (co-pay)

• After 100 days, you pay out-of-pocket

Custodial (convalescent) care: $0 paid

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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Long-Term Care

1. Your family provides care

2. Medicaid – low-income assistance• Acts 42 and 43

• “Look-back” periods increased

3. Self-insure through savings

4. Transfer the risk to a long-term care solution

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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Friends Life Care Membership

Provides support and resources to help you remain in your home

Partnership begins as soon as you join• Care Coordinator is key

• VigR™: Integrated whole-health model

• Quarterly member meetings

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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VigR™ (Vitality, Independence, Growth and

Resilience) Helps stave off the effects of chronological aging

Proactive, research-based model helps members improve and extend their mental and physical health and resilience

Opportunities to better understand and improve the four essential factors that make the difference between aging and aging well

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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VigR™

Examples: • VigR Assessments

• VigR Enrichment Workshops

• VigR eMeetinghouse: Online health resource and social community

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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The Friends Life Care Plan

Daily benefits and benefit periods• $75–$250 per day (in $25 increments)

• 2, 3, 4, 5 and 7 year

• 0- to 365-day (private pay option)

• Cost of living adjustment

• Shared care

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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The Friends Life Care Plan

Care coordination, 24/7• Dedicated network of credentialed caregivers

• Oversight of care providers

• No claims to process – transparent, hassle-free

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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The Friends Life Care Difference

Care Coordinators: Multidisciplinary team of professionals • Personalized attention, on call 24/7

• Personal visits, monitoring and follow-up

• Your partner in preventative care: VigR, health assessments

• Your health care navigator, guiding and supporting you through the complex health care system

• Intimate knowledge of the best caregivers/support

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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The Friends Life Care Difference

Care in your own home• Caregivers screened and selected according to our

exclusive Quality Credentialing Process™

• Referral and coordination of RN, LPN and physical therapy, as needed

• Hourly, daily, or live-in care

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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The Friends Life Care Difference

Mission to help you remain in your home as you age

100% tax-deductible fees (check with tax advisor)

20% household discount 100% portability if you move within the U.S. No hassles or paperwork — just a phone call

away!

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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The Hard Questions

Where will you turn for the care you need?

How will you pay for it?

Founded in 1985, Friends Life Care is a nonprofit Quaker organization serving eastern Pennsylvania and Delaware • Telephone: 215-628-8964 • Fax: 215-628-9089 • www.friendslifecare.org

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Friends Life Care: Partnership Through Time In health: VigR™, Care Coordinator

relationship and support, ongoing health/wellness assessments

In sickness: If you need care, Care Coordinator knows you, arranges and oversees everything, acts as your advocate

Friends Life Care Membership = Peace of Mind

Director of Sales & MarketingSteve Walsh

Friends Life Care(215)628-8964

www.friendslifecare.org