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Protection Planning


Eligible long-term care premium deduction limits

2011 2012
Age 40 or under $340 $350
Age 41-50 $640 $660
Age 51-60 $1,270 $1,310
Age 61-70 $3,390 $3,500
Over age 70 $4,240 $4,370

Per diem limit

2011 2012
Periodic payments for qualified long-term care insurance/certain life insurance: $300 $310

Archer Medical Savings Accounts

High deductible health plan–self-only coverage 2011 2012
Annual deductible–minimum $2,050 $2,100
Annual deductible–maximum $3,050 $3,150
Annual out-of-pocket expenses required to be paid (other than for premiums) can’t exceed $4,100 $4,200
High deductible health plan–family coverage 2011 2012
Annual deductible–minimum $4,100 $4,200
Annual deductible–maximum $6,150 $6,300
Annual out-of-pocket expenses required to be paid (other than for premiums) can’t exceed $7,500 $7,650

Health Savings Accounts (HSAs)

Annual contribution limit 2011 2012
Self-only coverage $3,050 $3,100
Family coverage $6,150 $6,250
High deductible health plan–self-only coverage 2011 2012
Annual deductible–minimum $1,200 $1,200
Annual out-of-pocket expenses required to be paid (other than for premiums) can’t exceed $5,950 $6,050
High deductible health plan–family coverage 2011 2012
Annual deductible–minimum $2,400 $2,400
Annual out-of-pocket expenses required to be paid (other than for premiums) can’t exceed $11,900 $12,100
2011 2012
Annual catch up contribution limit for individuals age 55 or older $1,000 $1,000

This information, developed by an independent third party, has been obtained from sources considered to be reliable, but Raymond James Financial Services, Inc. does not guarantee that the foregoing material is accurate or complete. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Investments mentioned may not be suitable for all investors. The material is general in nature. Past performance may not be indicative of future results. Raymond James Financial Services, Inc. does not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, an independent broker/dealer, and are not insured by FDIC, NCUA or any other government agency, are not deposits or obligations of the financial institution, are not guaranteed by the financial institution, and are subject to risks, including the possible loss of principal.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012.