{"id":4907,"date":"2017-01-05T15:59:00","date_gmt":"2017-01-05T15:59:00","guid":{"rendered":"http:\/\/schadlerfinancial.com\/?page_id=4907"},"modified":"2024-08-28T05:34:07","modified_gmt":"2024-08-28T05:34:07","slug":"long-term-care-insurance","status":"publish","type":"page","link":"https:\/\/ohiogrowthassociation.com\/?page_id=4907","title":{"rendered":"Long-Term Care Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4907\" class=\"elementor elementor-4907\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-44af7f7 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44af7f7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-84b4f04\" data-id=\"84b4f04\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df96943 elementor-widget elementor-widget-heading\" data-id=\"df96943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Long-Term Care Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f697a95 elementor-widget elementor-widget-shortcode\" data-id=\"f697a95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ast-breadcrumbs-wrapper\">\n\t\t\t<div class=\"ast-breadcrumbs-inner\"><nav role=\"navigation\" aria-label=\"Breadcrumbs\" class=\"breadcrumb-trail breadcrumbs\" ><div class=\"ast-breadcrumbs\"><ul class=\"trail-items\" ><li  class=\"trail-item trail-end\"><span><a href=\"https:\/\/ohiogrowthassociation.com\" rel=\"home\"><span >Home<\/span><\/a><\/span><\/li><\/ul><\/div><\/nav><\/div>\n\t\t<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b32e4dd elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b32e4dd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6fcda0e elementor-invisible\" data-id=\"6fcda0e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbb9ca0 elementor-widget elementor-widget-heading\" data-id=\"dbb9ca0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Long Term Care Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f40ab9 elementor-widget elementor-widget-text-editor\" data-id=\"7f40ab9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLook at the following statistics. If they don\u2019t scare you into taking a long look at obtaining some kind of long-term care insurance (LTCI), nothing will.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65ca6bc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"65ca6bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">On average, 69% of people age 65 or older will need some form of long-term care.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The average daily cost of a private nursing home room in 2008 was $217 or <span style=\"text-decoration: underline\">$79,205<\/span> annually.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">However, in some states the cost is much higher: Alaska (<span style=\"text-decoration: underline\">$183,595<\/span>), New York, NY ($160,965), Stamford, CT (<span style=\"text-decoration: underline\">$148,920<\/span>), California (<span style=\"text-decoration: underline\">$100,000<\/span>), and Pennsylvania ($93,075).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Of Americans who are 65 years old and older and have incomes greater than $20,000, <strong><span style=\"text-decoration: underline\">only 16% have LTC insurance<\/span><\/strong>.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u201cFailure to prepare for the cost of a nursing facility stay or other long-term care is the primary cause of impoverishment among the elderly.\u201d (The American Health Care Association, 1997)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86218a4 elementor-widget elementor-widget-heading\" data-id=\"86218a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Do you have LTCI?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3641e7 elementor-widget elementor-widget-text-editor\" data-id=\"c3641e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tBased on the statistics, we know for most the answer is NO.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c085270 elementor-widget elementor-widget-heading\" data-id=\"c085270\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Should you have LTCI?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8572610 elementor-widget elementor-widget-text-editor\" data-id=\"8572610\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tBased on the statistics, we know the answer is YES! If the average cost of a nursing home stay is $80,000 a year, how many years do you have to stay in that home before spending a good percentage, if not all of your wealth?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf3917f elementor-widget elementor-widget-heading\" data-id=\"bf3917f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Why don\u2019t people purchase LTCI?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9ad9f2 elementor-widget elementor-widget-text-editor\" data-id=\"a9ad9f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are really two reasons people do not buy LTCI. 1) Cost. It can be expensive. 2) Need. Many people have the \u201cit won\u2019t happen to me\u201d attitude when it comes to the need for LTC expenses.<\/p><p>The sad truth is that the people who buy LTCI are people who have had a loved one or a friend who felt the devastating effects of LTC costs and didn\u2019t have LTCI.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92a06c0 elementor-widget elementor-widget-heading\" data-id=\"92a06c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What does LTCI cover?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff9e540 elementor-widget elementor-widget-text-editor\" data-id=\"ff9e540\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIt depends on the policy purchased. Some cover only nursing home care while others cover in-home care as well as a number of other expenses. The coverage will have a limit (usually a daily or monthly limit).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d698fa3 elementor-widget elementor-widget-heading\" data-id=\"d698fa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What Triggers LTCI Coverage To Kick In?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c3af23 elementor-widget elementor-widget-text-editor\" data-id=\"9c3af23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tTypically, it\u2019s when you can\u2019t perform \u201c2 of 6 ADLs.\u201d ADL stands for activities of daily living: Bathing, Dressing, Toileting, Transferring, Continence, and Eating without help.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbe4c3d elementor-widget elementor-widget-heading\" data-id=\"dbe4c3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LTCI Options<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4132f98 elementor-widget elementor-widget-text-editor\" data-id=\"4132f98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are several different ways to obtain LTCI coverage. Depending on your situation, one may be better for you than another.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11593b0 elementor-widget elementor-widget-heading\" data-id=\"11593b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Traditional LTCI<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e1bddd elementor-widget elementor-widget-text-editor\" data-id=\"0e1bddd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is the best but also the most expensive type of LTCI. You pay an annual premium of $2,500-$10,000+ a year (depending on your age); and if you incur LTC expenses, the policy will pay up to its daily limit. Traditional LTCI is like term life insurance. If you don\u2019t use it, you do not get the premiums back.<\/p><p><a href=\"\/spl-for-long-term-care-insurance\/\">Single<\/a><a href=\"\/spl-for-long-term-care-insurance\/\"> Premium Life Insurance<\/a> policies that have LTC benefits\u2014most people are not aware of the fact that they can purchase a life insurance policy that has an LTC benefit. Why would you purchase this type of policy? Because if you ever need the money you paid in premiums, it\u2019s accessible. That\u2019s right. If you paid a $200,000 one-time premium for a policy and needed the money in years two, three, or whenever, you could ask the insurance company for a refund of your entire premium.<\/p><p>Additionally, some policies grow money in the policy similar to money market\/certificate of deposits. This type of policy is a good fit for an older client who has money sitting in CDs and money market accounts because they think they may need the money someday and, therefore, do not want to allocate it to buying traditional LTCI.<\/p><p>To view\/listen to a video presentation on SPL policies, please click on the picture below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374f159 elementor-widget elementor-widget-text-editor\" data-id=\"374f159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/retirement-life\/\">Retirement Life<\/a>\u2122 (RL)\u00a0as you can read by <a href=\"\/retirement-life\/\">clicking here<\/a>, growing wealth through the use of RL can be a terrific idea for many. A nice byproduct of using an RL product is that the policy comes with a FREE LTCI rider. Essentially, if you can\u2019t perform 2 of 6 ADLs, the insurance company will give you 2% of your death benefit early (tax-free). This type of coverage is not as good as a traditional LTCI policy; but if you are buying a policy to build wealth, why not buy one with a FREE LTCI benefit?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-727cf28 elementor-widget elementor-widget-heading\" data-id=\"727cf28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Deducting the cost for LTCI<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6cd7ea elementor-widget elementor-widget-text-editor\" data-id=\"e6cd7ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most people do not know how to write off traditional LTCI premiums. While not everyone can do so, some can. If you would like to learn how to obtain a <span style=\"text-decoration: underline; color: #309c30;\">100% deduction<\/span> for LTCI premiums, please <a href=\"https:\/\/johnd179.sg-host.com\/tax-deductibe-ltc\/\">click here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af636e8 elementor-widget elementor-widget-heading\" data-id=\"af636e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Getting help<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f06451 elementor-widget elementor-widget-text-editor\" data-id=\"3f06451\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We hope that after reading this material you are sufficiently motivated to learn more about LTCI. Our firm specializes in helping clients find the right LTCI benefit at the lowest possible cost. If you would like help, please <a href=\"mailto:info@itsyourwealth.net \"> click here to email us<\/a> or phone <strong>888-435-6030 <\/strong>. To sign up for a free consultation or to just get more information <a href=\"\/contact\"> click here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-56a9a5a elementor-invisible\" data-id=\"56a9a5a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0aee34f elementor-widget elementor-widget-template\" data-id=\"0aee34f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"23893\" class=\"elementor elementor-23893\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-ad6f994 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad6f994\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0959eb elementor-invisible\" data-id=\"b0959eb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0e8011c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e8011c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7d23502\" data-id=\"7d23502\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb26fe0 elementor-widget elementor-widget-heading\" data-id=\"eb26fe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FINANCIAL LITERACY COURSE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-688264e elementor-widget elementor-widget-image\" data-id=\"688264e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" width=\"275\" height=\"410\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"attachment-full size-full wp-image-7321 lazyload\" alt=\"\" \/><noscript><img decoding=\"async\" width=\"275\" height=\"410\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" class=\"attachment-full size-full wp-image-7321\" alt=\"\"><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-030e2c0 elementor-widget elementor-widget-heading\" data-id=\"030e2c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Education<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45cac5b elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"45cac5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\" tabindex=\"-1\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\" tabindex=\"-1\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\" tabindex=\"-1\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\" tabindex=\"-1\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\" tabindex=\"-1\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\" tabindex=\"-1\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\" tabindex=\"-1\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\" tabindex=\"-1\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\" tabindex=\"-1\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-abfbbb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abfbbb8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16a2920 elementor-invisible\" data-id=\"16a2920\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c0923c elementor-widget elementor-widget-heading\" data-id=\"5c0923c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qualified Retirement Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-058e169 elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"058e169\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\" tabindex=\"-1\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\" tabindex=\"-1\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-24aa642 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24aa642\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20a1d38 elementor-invisible\" data-id=\"20a1d38\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67f29cc elementor-widget elementor-widget-heading\" data-id=\"67f29cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long-Term Care<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb020d elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"2eb020d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-2eb020d\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4888\" class=\"elementor-item menu-link\">Medicaid Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"elementor-item menu-link\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"elementor-item menu-link\">Long-Term Care Insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-2eb020d\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4888\" class=\"elementor-item menu-link\" tabindex=\"-1\">Medicaid Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Long-Term Care Insurance Long Term Care Insurance Look at the following statistics. If they don\u2019t scare you into taking a long look at obtaining some kind of long-term care insurance (LTCI), nothing will. On average, 69% of people age 65 or older will need some form of long-term care. The average daily cost of a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-4907","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4907","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4907"}],"version-history":[{"count":0,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4907\/revisions"}],"wp:attachment":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4907"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}