Shildt Financial Services
210 W. Hamilton Avenue
State College, PA 16801
800-211-7819 (Toll-Free)
234-1419 (Local Area)

shildtfs@aol.com



 



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CHART A COURSE FOR YOUR EMPLOYEE BENEFITS INSURANCE







PROTECTING THE QUALITY AND COST OF YOUR EMPLOYEE BENEFITS.

FINDING YOUR COMPANY THE MOST APPROPRIATE EMPLOYEE BENEFITS AT THE BEST PRICE.



About
Our Products


HEALTH/MEDICAL PLANS:
HMO Plans, POS Plans, EPO Plans and PPO plans.
We Use Major, Highly Respected Carriers.

DENTAL PLANS:
Employer Group, Voluntary, and Individual Plans with flexible benefit levels. May include optional orthodontic coverage.

VISION PLANS:
Comprehensive Plans for Exams, Glasses & Contact lenses.

DISABILITY PLANS:
Short Term & Long Term Disability Plans with total & partial disability benefits, residual features, cost of living adjustments, and own-occupation protection.

LEGAL PLANS:
Employer group and individual legal plans featuring local, state, and national attorneys of the highest caliber. Include preventive law, trial defense, motor vehicle legal services, and IRS audit services. Special plans include: Comprehensive Family Plan, Law Officers Legal Plan, Commercial Drivers Legal Plan, Small Business Plan, and Employer Group Plans.

PENSION & 401(k) PLANS:
Future income for retirement with multiple & flexible investment features.

LIFE/AD&D PLANS:
Group, Business, and Individual Plans with features such as terminal illness benefits.

LONG TERM CARE PLANS:
At home care and nursing home care for prolonged illnesses, prolonged disabilities, and elder care. Employer group plans may include spouses, parents, and grandparents of employees as well as parents and grandparents of employees' spouses.



  • Saving You Money.

  • Protecting The Quality and Cost Of Your Employee Benefits.






ONGOING SUPERIOR SERVICES AFTER FINDING YOUR COMPANY THE MOST APPROPRIATE EMPLOYEE BENEFITS AT THE
BEST PRICE


About Our
"No Fee" Services


OUR "NO FEE" ONGOING SERVICES to assure your complete satisfaction with your benefits, service, and pricing include: 

(1) Protecting The Quality and Cost Of Your Employee Benefits.

(2) Finding your company the most appropriate employee benefits at the best price.

(3) Saving You Money. 

(4) Benefit and Cost Analysis.

(5) Value Comparison of your present or future benefits with hundreds of major, highly respected insurance companies.

(6) Employee Meetings.

(7) Administrative Assistance services.

(8) Claims Assistance Services.

(9) Benefit Consultation Services.

(10) Benefits Package Review & Renewal Services.



  • An Ongoing Commitment
    To Help You.


  • Testimonials From Satisfied Clients.






Both The Need And The Cost For Long Term Care Are Significant.
AVOID DEPENDENCE.
PROTECT YOUR ASSETS.
PROTECT YOUR LIVING STANDARDS.
GUARANTEE AFFORDABILITY.
With Long Term Care Insurance.

SPOUSES, PARENTS, AND GRANDPARENTS OF EMPLOYEES MAY BE INCLUDED IN EMPLOYER GROUP PLANS.

PARENTS AND GRANDPARENTS OF EMPLOYEES' SPOUSES MAY BE INCLUDED IN EMPLOYER GROUP PLANS.



Featured Product:
Long Term Care


WHAT IS LONG-TERM CARE?:
Long-term care involves a wide variety of services for people with a prolonged physical illness, disability or cognitive disorder (such as Alzheimer's disease). Long-term care is not one service, but many different services aimed at helping people with chronic conditions compensate for limitations in their ability to function independently. Long-term care differs from traditional medical care as it is designed to assist a person to maintain his or her level of functioning, as opposed to care or services that are designed to rehabilitate or correct certain medical problems. Long-term care services may include, but are not limited to, help with daily activities at home, such as bathing and dressing, respite care, home health care, adult day care, and care in a nursing home.
Persons with physical illness or disabilities often need hands-on assistance with activities of daily living. Persons with cognitive impairments generally need supervision, protection or verbal reminders to accomplish everyday activities.

LONG TERM CARE SERVICES:
Long-term care services are generally classified into three different categories:
1. Skilled nursing care (as defined by the NAIC) is needed for medical conditions that require care by skilled medical personnel. This care is available 24 hours a day, is ordered by a physician, and involves a treatment plan.
2. Intermediate nursing care (as defined by the NAIC) is needed for stable conditions that require daily, but not 24 hour nursing supervision. Such care is ordered by a physician and supervised by registered nurses. Intermediate care is less specialized than skilled nursing care and involves more personal care.
3. Custodial care (as defined by the NAIC) helps a person perform activities of daily living, which include assistance with bathing, eating, dressing, and other routine activities. It is less intensive or complicated than skilled or intermediate care, and can be provided in many settings, including nursing homes, adult day care centers, or at home.

WHY LONG TERM CARE INSURANCE?:
1. U.S. News & World Reporter in January of 1995 reported that one of every two people age 65 and over will require long term care.
2. The National Association for Home Care reports that in 1996 home care recipients doubled to four million beneficiaries--twice the number from 1990.
3. The average cost of a year in a nursing home averages between $40,000 and $80,000 and this cost varies widely across the country.
4. After paying for one year of long term care, 72 percent of elderly Americans are impoverished.
5. Nationwide, caregiving families spend $2 billion per month of their own money providing care to family members.
6. Long-term care expenses are generally NOT paid for by Medicare, Medicare supplement insurance, or the major medical health insurance provided by most employers.
7. Bringing a health-care professional into the home three times a week can cost $12,000 a year, or more. The chances of needing home health care are substantially greater than needing nursing home care.
8. Nearly 40 percent of people receiving long term care are working aged adults from age 18 to 64 (5.1 million).
9. The annual cost to companies for lost productivity of employees due to elder care issues is $17 billion a year, or $3,142 per employee.
10. Within the next 25 years, one in three workers will provide some type of long term care. Women, the primary care givers, will spend more time taking care of elderly relatives than they spend taking care of their own children.
11. Under federal legislation, a business may now deduct premiums paid on behalf of employees for Group Long Term Care coverage as a business expense--the same as they do for health insurance.
12. Employers can choose to pay the premiums for a select group of employees i.e. as an executive compensation package without being required to pay premiums for the entire workforce.
13. Many employer group plans can be tailored to cover the extended families of employees. Plans may cover spouses, parents of employees, parents of spouses, grandparents of employees, and grandparents of spouses. Plans may also include the company's retirees and eligible family members.
14. The overall value of long term care insurance to the employee and his or her family as well as the company is substantial.
15. Long Term Care Insurance is available through both individual policies and employer-group policies.



  • Parents And Grandparents Of Employees' Spouses May Be Included In Employer Group Plans.

  • Spouses, Parents, And Grandparents Of Employees May Be Included In Employer Group Plans.



  • Protect Your
    Living Standards.

  • Protect Your Assets.

  • Guarantee Affordability.

  • Avoid Dependence.






Legal Bills Can Be Just As Catastrophic As Medical Bills And Happen Just As Frequently. The Flood Of Lawsuits
In America Is Rising.
PROTECT YOUR FAMILY.
PROTECT YOUR ASSETS.
PROTECT YOUR RIGHTS.
AFFORDABLE LEGAL COUNSEL.
With Pre-Paid Legal Services.


Featured Product:
Pre-Paid Legal Benefits


WHAT ARE PRE-PAID LEGAL SERVICES?:
1. The pre-paid legal services concept is like an HMO but for attorney fees. A member pre-pays a reasonable and very affordable monthly charge, and in return is eligible for legal assistance services from a large provider network consisting of attorneys of the highest caliber.
2. Legal services plans are designed to meet the most common legal needs encountered by individuals and their families. Plan benefits emphasize preventive legal care to help keep minor legal problems from becoming serious or financially devastating. However, in addition to preventive law, other services include trial defense, motor vehicle legal services, and IRS audit services.
3. Members have access to state Provider Attorney Firms, that are among the finest in the country, and who have developed a supplemental network of referral law firms in its state. These secondary networks cover all regions of a state and expand the Provider Firm's capability to serve members who have concerns in specialized areas of law. It also allows efficient servicing of members needing face-to-face consultations.
4. All Prospective Provider Attorneys are held to high standards such as being at least a "B" rated firm as listed in the Martindale-Hubbell Law directory.
5. Pre-Paid Legal Services has been in business for over 26 years and has paid more than one-hundred million dollars to more than 100,000 attorneys for services rendered to members. It has been traded on the American Stock Exchange since 1986–symbol PPD, has corporate assets exceeding fifty million dollars, and is the only publicly-held company of its kind in the United States specializing solely in legal service plans.

LEGAL PLANS FOR EVERYONE:

FAMILY: The Comprehensive Family Plan offers:
1. Preventive Law: Toll-free consultations...Legal correspondence..Will preparation and maintenance...Legal document review.
2. Trial Defense: Defense of civil actions...Defense of job related criminal actions...Pre-trial and trial assistance.
3. Motor Vehicle Legal Services: Moving violation representation...Driver's license services...Defense of criminal charges...Personal injury collection assistance.
4. IRS Audit Services: Consultation...Representation at audit...Representation at trial.

PROFESSIONAL: The Law Officers Legal Plan provides law enforcement professionals with 24 hour emergency telephone access to attorneys. Representation is available for administrative and post-termination hearings. The plan also offers many of the popular family legal plan benefits.

SPECIAL INDUSTRY: The Commercial Drivers Legal Plan was specifically designed for the legal needs of the professional truck driver. This plan offers an array of benefits, including representation for moving and non-moving violations, arrest and bail bonds, and tragic accident defense.

SMALL BUSINESSES: The Small Business Legal Plan can help small businesses with contract and document review, debt collection, contract disputes, partnerships, consumer fraud, workers' compensation, incorporation, and much more.

EMPLOYERS: Group Legal Plans exhibit the employer's concern for the "whole" employee by helping to increase productivity and reduce medical care costs. They are low cost, require minimum administrative paperwork, are rate stable, serve as effective cost-containment tools, and are viable alternatives to wage increases. Employees perceive a group legal plan as a valuable benefit that can provide them with much needed relief from the financial burdens and emotional stress that usually accompany legal problems. All plans are offered at group rates; and they are available as a fringe benefit, as a voluntary payroll deduction plan, or as part of a flexible benefits program. Plans are tax deductible to the employer, if offered as a fringe benefit and as a cost of doing business; plus they attract employees in the competitive market.

THE NEED FOR PRE-PAID LEGAL SERVICES:
1.
255,200 court cases filed a day, 10,633 an hour, 177 each minute, or 3 trial cases filed every second in America during 1991.
2. You protect your family with medical insurance, your home with homeowner's and renter's insurance, your vehicle with automobile insurance. Why not protect your family and assets against an unexpected lawsuit, legal defense, or trial defense?
3. The need for legal assistance for the average working American family is no longer a luxury. It is a necessity. Legal bills can be just as catastrophic as medical bills and happen just as frequently.
4. The average person is more likely to find himself or herself in court than in the hospital, yet most people have health insurance, but no plan for legal problems.
5. Although more than one in three Americans experiences a legal problem requiring professional advice, only about 10% of the nation's population gets the help they need according to the American Bar Association.
6. There were over 93 million court filings in state courts across the nation in 1991.
7. Almost half the employees who take off time from work do so to deal with problems that are legal or legal-related.
8. A quality, comprehensive legal services plan can help you recruit and retain good employees. It can enhance productivity and personal well-being. And it will present a progressive company image to your employees and the business community.
9. Employer group plans are tax deductible to the employer, if offered as a fringe benefit and as a cost of doing business; plus they attract employees in the competitive market.
10. Plans are available on both an individual basis and an employer-group basis.



  • Protect Your Rights.

  • Protect Your Assets.

  • Protect Your Family.

  • Affordable Legal Counsel.










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To Use Us
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SHILDT FINANCIAL SERVICES

"CHART A COURSE FOR YOUR EMPLOYEE BENEFITS INSURANCE"

Health/Medical**Dental**Vision**Legal**Life
Disability**Pensions & 401(k)**Long Term Care



"THANK YOU FOR CONSIDERING
SHILDT FINANCIAL SERVICES WHERE
WE ALWAYS STRIVE TO EXCEED YOUR EXPECTATIONS"

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