What Happens If You Live? – The Security of Long-Term Care Insurance

Thanks to marvelous innovations in medical technology and advances in living and working conditions, many of us will enjoy long, prosperous lives. With average life expectancies on the rise, there’s a lot to be grateful for and look forward to. But living longer also comes with added responsibilities that we must take seriously.

Typically, when thinking about insurance products, we think about “what ifs.” For life insurance, we think: What if we die? For auto insurance, we think: What if we get into an accident? For medical insurance, we think: What if we get sick? For disability insurance, we think: What if we get injured?

But for long-term care, the question is different. It’s not just what happens if something happens to us, but what if something doesn’t happen? What happens if we live?

“So what?” you say. “I won’t need long-term care.” But the statistics tell a different story. Seventy percent of individuals over the age of 65 will need some type of long-term care services during their lifetime. And, just as you would imagine, paying out-of-pocket for long-term care is neither brief nor cheap. The average duration of long-term care needed per individual is three years, at an annual cost of $83,000 for private nursing home care and $60,000 for at-home nursing care.

Traditional and government medical insurance programs don’t usually provide enough help, either. According to the Department of Health and Human Services, Medicare only pays for long-term care services for a maximum of 100 days, and that’s only if you meet certain criteria. Medicaid does pay for long-term care, but only if your income is below a certain level and you meet state requirements. As for employer-sponsored or private health insurance plans, they typically cover a limited range of services, similar to that provided by Medicare.1

Subsequently, many of us are left drawing from our own resources or our family’s resources to cover long-term care costs. It can be an expensive proposition just when cash resources need to be preserved for retirement.

That’s why long-term care insurance should be considered part of an overall sound insurance protection strategy, and that’s why the Knights of Columbus is proud to offer long-term care insurance to our members and their eligible family members.

Simply put, long-term care insurance is designed to help cover the cost of your long-term medical needs.

Available in 3-year, 5-year, and 10-year benefit periods, our flexible plans come with a number of different options and ways for you to customize your long-term care coverage to help fit your unique needs and budget.

You choose a daily benefit amount that the policy provides, as well as specify whether you want to be covered for care in an assisted-living facility or at home.

You may also elect to purchase a Compound Inflation Rider, which will increase your maximum lifetime benefit by 3 or 5 percent each year.

And, should you choose to apply for long-term care insurance with your spouse, each of you will receive a 30 percent discount through our Spousal Discount program.

There are many other factors and considerations that go into the crafting of a Knights of Columbus long-term care policy. I can help explain your options.

Contact me today to help ensure that your family and your assets are protected from the unexpected and substantial cost of long-term care.

After all, you have always taken care of your family. You don’t want to worry about what would happen to them if you could no longer take care of yourself.

Field Agent: Norbert Mendes

Phone: 609.331.3636

Email: norbert.mendes@kofc.org

Long Term Care insurance contracts contain certain exclusions, limitations, and other terms. Your contract and licensed Knights of Columbus field agent can provide you with complete details. The Knights of Columbus reserves the right to ask questions about your health and review your medical records. Benefits are subject to underwriting. Premiums may increase.

1U.S. Department of Health & Human Services Clearinghouse for LTC Information, March 3, 2014.


Welcome Our New Brother

Please join the Council in welcoming our newest Brother, Anthony Catenaro.  Anthony participated in the Admission Degree Exemplification conducted at The Immaculate Conception Church in Annandale on Wednesday, October 26th.  Please be sure to say hello to him when you see him at our next meeting or event!

Pictured (L-R): Joe Casey, Anthony Catenaro, Grand Knight Bill Foster, Bob Buchala

Novena for Our Country

In preparation for Election Day, the Knights of Columbus is calling its members and all the faithful to join together in a novena to the Holy Trinity through the maternal intercession of the Immaculate Conception, patroness of the United States.

Join your brother Knights around the nation for this novena, beginning on Sunday, Oct. 30, and concluding on Monday, Nov. 7. The prayer for the novena can be found HERE.

Our country is in desperate need of prayer. Please ask all your brother Knights and their families, as well as your pastor and fellow parishioners, to pray this national novena for the protection, well-being and freedom of our country.

Daily Prayer for October

Worthy Brothers:

As a next step in our effort to advance the Spirituality of our Council, below is a suggested prayer for next month.  Please consider joining us in praying faithfully every day in October at 3 PM:


The graces of this prayer are magnified in our unity with the Holy Spirit.

Pray aloud or silently as circumstances permit.

Try not to miss, but if you miss 3 PM, simply pray later that day.


         Hail Mary, full of grace, the Lord is with Thee. 

Blessed art thou among women and blessed is the fruit of thy womb, Jesus.

Holy Mary, Mother of God, pray for us sinners now and at the hour of our death.




O God, come to my assistance.  O Lord, make haste to help me.

Glory to the Father, and to the Son, and to the Holy Spirit; as it was in the beginning, is now, and ever shall be.  Amen.


Like the Our Father, the Hail Mary is also rooted in Scripture.  Luke 1:28,42

Our salvation begins when an archangel speaks the name of Mary. This, the Annunciation, “…brought to a dry and barren world the Fruit of Life, and will cause the Word of God to take root in the soul and bring forth Jesus.”  – Louis de Montfort.  Note that October is the Month of the Rosary.


The second prayer is an antiphon from the beginning of Morning Prayer in the Liturgy of the Hours. It is also a good prayer to begin the day, or any task.


Vivat Jesus!


Strengthening the Domestic Church

The Council was addressed by our Chaplain and the Pastor of St. Magdalen de Pazzi Church on September 22nd at our monthly social meeting.  Father spoke on the role of husbands and fathers in Strengthening the Domestic Church.  The talk was concluded by a lively Q&A session and followed by refreshments.


Council Soccer Challenge Results

Our Knights of Columbus, Jubilee 3294 Council hosted their Soccer Challenge on Sunday, September 18, 2016.  The soccer champions were:

                Age 13 – Boys:  Peter P.

                Age 13 – Girls:  Mary W.

                Age 10 – Girls:  Kelly W.

                Age 9 – Girls: Marykate W.


Congratulations to all of our participates and GOOD LUCK to each of our winner how will proceed to the next level at the District Level at Immaculate Conception Church in Annandale on October 8th @ 1:00 PM.

Message from the Grand Knight

Worthy Brothers:

I'm focusing my September Grand Knight's report on one of our goals this year: how we can advance Spiritually as a Council. 

At our Business Meeting this past Thursday, a small working group — including Brothers Don Anderson, Bruce DeBacco and Anthony Primiani — proposed a first step toward achieving this goal, focusing on the power of prayer to strengthen our personal relationship with Jesus Christ.

Specifically, they asked each Brother in our Council to join together, at the same time each day, to say a short prayer:


All Knights of Council 3294 to faithfully pray every day in September at 3 PM.

The graces of this prayer are magnified by being said in unity.

Pray aloud or silently as circumstances permit.  Meditate as time permits.


“Our Father who art in heaven, hallowed be thy name.

Thy kingdom come, Thy will be done on earth as it is in heaven.

Give us this day our daily bread, and forgive us our trespasses;

as we forgive those who trespass against us.

And lead us not into temptation, but deliver us from evil.”


This prayer is fundamentally rooted in Scripture.  Matt 6:9-13

Its authority and perfection is expressed by the priest at every Mass when he says:

“At the Savior’s command, and formed by divine teaching, we dare to say: Our Father …”


Each month our Brothers will propose a different prayer, designed to help us grow spiritually, as well as to confirm to the liturgical season.

In addition, interested Brothers are invited to arrive a half-hour early (at 7:30 p.m.) to our Business meeting on the second Thursday of each month, and our Social meeting on the fourth Thursday of each month, for the Rosary and discussion based on selected readings from religious books, articles, and Sacred Scripture.  More informal discussions can take place during Council social meetings.

I already have my phone's alarm set for 3 p.m. each day, and strongly urge each Brother in our Council prayerfully consider joining this initiative.  I firmly believe that through unified prayer we can grow closer to Christ, and strengthen our Council.


Vivat Jesus!


William Foster

Grand Knight

Don’t Assume You Can’t Afford Disability Income Insurance

One of the biggest mistakes you can make regarding disability insurance is to assume you can't afford it or you won't qualify. Before you make that assumption, do some basic research and apply for coverage through the Knights of Columbus. The Order’s Income Armor product gives you options that can help you fit this critical protection into your risk management budget.

Here are two ways you can reduce your premium:

1. Choose a two-year or five-year maximum benefit period.

Depending on your age, the best option is probably a policy that pays benefits until you reach age 67. But a two-year or five-year duration benefit period would cover disabilities you might encounter in your working life.

2. Choose a longer elimination period.

An elimination period is the number of days a total disability must exist before benefits begin to accrue. Typical elimination periods are 30, 90, or 180 days. Choosing a longer elimination period lowers the policy’s premium. But be sure you have enough set aside in your contingency fund to account for the longer gap.

As your professional insurance agent, risk management is my specialty. Let’s talk about how to protect your income, your retirement needs, and your family's financial future.


Agent Name: Norbert Mendes

Phone: 609.331.3636

Email: norbert.mendes@kofc.org


Soccer Challenge

The Knights of Columbus are again proud to sponsor their annual soccer challenge for 2016 on Sunday, September 18, 2016 and the rain date is Sunday, September 25, 2016.   Please check the KofC3294 website: http://www.kofc3294.org for any weather updates.
This event will be held at the St Magdalen de Pazzi Parish Center in Flemington, NJ.   Registration will be from 1:00 to 1:30 PM.   The competition will be held from 1:30 to 2:30 pm.  The competition is open for all boys and girls between the ages of 9 to 14 as of September 1.  Participants compete in separate categories by age and gender.
The Knights of Columbus Soccer Challenge is sponsored annually, with winners progressing through local, district, and state competitions.  International champions are announced by the K of C headquarters based on scores from the state-level competitions. All boys and girls will compete in their respective age and gender divisions. Since its beginning in 1972, over 2.5 million youths have participated in the contest.  
All contestants on the local level are recognized for their participation.  Participants are required to furnish proof of age and written parental consent. 
*** REMEMBER to bring a copy of each participant's birth certificate, it is required in order to compete.


Have You Insured Your Most Valuable Asset?

Is your income protected if you become sick or injured and cannot work? Your ability to work and earn an income is your most valuable asset. Yet a disability could prevent you from earning that income. Just one year of a disability could eliminate your savings.

Income Armor, an individual disability income insurance product from the Knights of Columbus, should be a key part of your overall financial plan and family’s protection.

If you are ill or injured, Income Armor provides tax-free monthly benefits to help you meet living expenses and maintain you and your family’s standard of living. Your monthly benefits help you pay your mortgage and other monthly bills, while your savings and retirement assets remain intact.

In short, if you have a job and don’t have a way to protect that paycheck, you should seriously consider Income Armor today. I look forward to meeting with you.

Field Agent: Norbert Mendes

Phone: 609.331.3636

Email: norbert.mendes@kofc.org