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Why
You May Need Additional Coverage:
Understand the risks before you
talk to an insurance agent.
The National Safety Council
reports:
In 1999, every two seconds
someone in this country suffered
an accidental injury. (1)
On average, about 2,370 disabling
injuries occur every hour during
the year. (1)
According to published hospital
statistics:
In 1999, an average hospital
inpatient stay was about
$1,102.61 per day. (2)
In 1999, outpatient surgery
accounted for 62% of all
operations. (2)
A hospital stay can generate
out-of-pocket costs such as lost
wages, child-care expenses, home
care, special equipment and
special medication.
The Health Insurance Association
of America reports:
About 11.5 million Americans
require long-term care services
with more than one-third of all
costs coming out of the families'
pockets. (3)
The average daily rate for
nursing-home care is more than
$125. The average nursing-home
cost is approximately $50,000 per
year.(3)
The average daily charge for
assisted living is about $60, and
home-care costs for the
chronically disabled are about
$15,000 per year.(3)
The American Cancer Society
Cancer Facts and Figures —
2001 reports:
It is expected that nearly
1,268,000 new cancer cases will
be diagnosed in 2001. Since 1990,
nearly 15 million new cancer
cases have been diagnosed.
Cancer is the second-leading
cause of death in the United
States, exceeded only by heart
disease.
(1) National Safety Council,
Injury Facts, 2000 Edition
(2) Hospital Statistics 2001
Edition, Health Forum, L.L.C.,
and
an
American Hospital Association
Company, copyright 2001
(3) October 2000, HIAA: Who Buys
Long-Term Care Insurance in 2000?(back)
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