LONG TERM CARE One thing in life is certain:    The road to retirement will have bends, curves, potholes, and detours. Have you taken the proper steps to ensure that you will avoid such road hazards as unexpected health care costs or skill nursing facility visits? The "Graying of America" has forced the nation to consider the impact of the growing number of people that will require long term care and an increased reliance on health care resources. The industry has anticipated this age shift in the population, and Spillman & Wotyla is prepared to provide you with the best long term care insurance available today. Peace Of Mind Long Term Care insurance is peace of mind insurance. It provides benefits to cover the escalating costs associated with home health care or skilled nursing facilities. It affords you the independence, financial security and peace of mind the retirement journey should be all about. Experience has proven that one person in two will need some type of long term care in their lifetime. Today, the average annual cost of this care is $38,000.00, and this cost is expected to triple in the next twenty years. As you may notice, it wouldn't take long to jeopardize your accumulated assets. Spillman & Wotyla has appointed a specialist to provide consulting, education and service to the growing population who are approaching retirement. The "Graying of America" effects all of us. It includes our Agency, our Clients, and our Community. Our commitment to Long Term Care Benefits can ensure that your retirement is a more pleasurable trip down "Memory Lane". Contact us today and let us assist you in assessing your current insurance situation. You can contact us via email, telephone or information request form.