Insurance - Life Insurance
is an unbiased information source for long term care insurance.
Their goal is to be a guide for consumers through the complex
levels of information about long term care insurance.
do not sell insurance, they do not accept advertising from
insurance companies and they do not have a vested interest
in your decision regarding a policy.
you choose to request a quote and to be contacted by an agent,
LTCInsurance will do their best to put you in contact with
a reliable, respectful LTC professional, who will help you
understand your options so that you can make an informed decision
about long term care insurance.
LTC Insurance - What is Long Term Care?
you're healthy, but what about tomorrow? What if you or your
spouse becomes physically or mentally incapacitated? Long
term care could be required, including custodial care - that
is, assistance with daily activities like eating, bathing,
getting dressed, toileting and transferring - either in your
own home or a nursing home.
What is Long Term Care Insurance?
care insurance is coverage that is available to provide medical
and other services to patients who need constant care in their
own home or in a long-term care facility. Even though people
are living longer, more are requiring expensive assistance
in their later years. Long-term healthcare services can be
provided in your home, in an assisted living facility or in
a nursing home. In many cases the family is no longer able
to provide such care around the clock. Family members may
not live nearby; they may have other pressing family commitments,
or simply cannot get the time off work or be away from the
is very likely that someone you know needs help with the activities
that many of us take for granted while we are still able to
perform them - eating, bathing, dressing, etc. According to
the Health Insurance Association of America, 48.6% of people
age 65 and older may spend some time in a nursing home and
71.8% of people age 65 and older may use some form of home
health care. Additionally, less and less of nursing home costs
are paid by Medicare Part A. The average annual nursing home
costs have exceeded $40,000 and often much more.
greatest difficulty with long-term care is the lack of preparation
for the costs incurred when someone you love requires assistance.
Some people can pay the bill out of pocket, others will qualify
for Medicaid (welfare), but most of us will fall somewhere
in the middle. LTC Insurance have worked hard all their lives
and now they can lose everything to a nursing home. With Long-term
Care Insurance, you can help safeguard your hard-earned money.
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