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LTC Insurance - Life Insurance

About LTC Insurance

LTCinsurance 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.

LTCInsurance.com 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.

If 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?

Today, 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?

Long-term 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 home.

It 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.

The 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.

 

LTCinsurance.com.,
42 Ladd St. 2nd Floor,
East Greenwich
RI 02818

http://www.ltcinsurance.com

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