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Credible Long Term Care Insurance Information

Article by Chelsea Andrews

As one moves closer to the age of retirement, he starts to think about possible long term care (LTC) expenses and feel the pressure to secure a long term care insurance (LTCI) policy. Buying this type of insurance product, however, entails complete long term care insurance information.

Long term care insurance is a product designed to pay for one’s incurred expenses in a nursing home, community-based LTC facility, or from in-home care. It is no doubt a worthwhile investment as it does not only promise the insured of topnotch care should he need it in the future, but it also ensures the protection of his family from living in impoverishment.

That is not an overstatement. LTC can really impoverish any family. As a matter of fact, countless families have lost their homes and assets to the cost of care which is geared to quadruple in 2030. If you cannot afford a nursing home’s annual rate today, you won’t be able to afford it 15 and 20 years from now.

Research is a vital part of planning as this process collates all important data that will be necessary to your plan of action. You have to be familiar with the cost of care in your area and the rates of specific LTC services which you may need in the future.

Where to Find Long Term Care Insurance Information

If you’re wondering which insurance company offers the best deal in terms of LTCI, your state’s insurance department is a good source of information as it has a complete list of LTCI companies that are authorized to sell LTCI policies.

Before discussing a potential LTCI policy with a trusted insurance company though, you have to identify first the type of care that you will possibly need in the future. While at it, choose your preferred LTC setting because your LTC expenses shall be based on the form of LTC that you shall acquire.

For example, if the annual rate of a nursing home that is situated in your place is ,000, find out how much it will cost 20 years down the road by computing it against the rate of inflation. By the way, when shopping for an LTCI policy be sure that you are provided with an inflation protection in order to keep your policy’s benefits at pace with inflation.

Buying a long term care insurance (LTCI) policy will be your best defense against the high cost of care. Without this insurance product there is no way that you can afford a nursing home, assisted living facility, or even in-home care; not even if you have half a million in assets as the figures of long term care (LTC) are growing at a very fast rate.

You’ll find tons of fresh articles about long term care insurance every time you go online. Newspapers and books have rich information, too. However, the best long term care insurance information can be acquired from an expert LTCI agent. Inquire about the options which you can take to cut back on the annual premium without compromising your benefits.

Retirement Admin

January 12, 2012

Insurance Services

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Compare several long-term care insurance quotes

Obtain the easy comparison of long term care insurance plans

A Long-term care insurance policy provides chronic care to the person suffering from serious illness or disabilities that may leave him unable to take care of himself requiring extended medical, nursing and rehabilitative care. Our compare Long-term care insurance policy is very convenient, as you will receive best insurance quotes rates from well-known insurance companies. You have the benefit of getting connected to numerous top-level long-term care insurance providers by easily entering your zip code on our website. Online comparison of long-term care insurance quotes play an important role in helping you decide on the best insurance policy coverage suitable for you.

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Long Term Care Insurance

Article by C Gordon-Eales

If you think that you won’t qualify for Medicaid or full Medicare benefits due to large savings, assets or a high income, then long term care insurance could be the program for you. You don’t want to end up relying on your children to help pay for these expenses.

With long term care insurance it will at least enable you to leave your loved ones a little something instead of sucking all your assets dry. Another plus is that if you can afford to pay the premiums you probably won’t qualify for assistance so would truly benefit. If you currently have chronic health issues or have a family history of a long-term illness you would be far better off purchasing now rather than waiting. It will be too late to get an insurance policy after you have already developed a long-term illness or disability.

Should you at any point think that you might fall into any of these categories you might want to consider getting a plan earlier to be safe and covered. Most large insurance companies offer long term care insurance policies. As always, every state has different insurance regulations, therefore it is best to check with your state on specific determining factors and qualifications.

Long-Term Care Insurance is still fairly new on the market and many people don’t even know that it exists or what it covers. Even those who have heard the term don’t always know when benefits are paid, how they are designed, and who qualifies or needs coverage. Many people wait till they are past retirement age and closer to needing benefits before thinking about this type of insurance, by which time it is too late to get a great rate and qualify for higher benefits.

You need to start thinking of investing earlier in order to maximise your options. Nowadays it is becoming more common for people to start thinking about what will happen 30, 50, or more years ahead. Many people invest in 401Ks, IRAs, stocks and bonds, and other types of investments to prepare for the future thinking that this will pay for future living expenses and leisure activities once retired. Unfortunately things don’t always go according to plan.

Picture the following scenarios.

1. You have an accident and need day to day help getting about your daily activities. Who’s going to pay for that?

2. As you get older you require home help. You may decide you would rather live in your own home for as long as possible and therefore you would need to have enough money to pay for personal home care.

3. Some seniors enjoy assisting living facilities that provide 24 hour nursing care, but still let you be as independent as you can.

4. Then there are those instances where nursing home facilities are needed to tend to varying degrees of illness.

5. You may need long-term care to provide help due to a long-term illness or disability.

The average cost of these types of care can vary in cost from around -0 thousand per year and sometimes more. This will very quickly eat into your savings and social security benefits. If you think Medicaid or Medicare will help, think again. Even if and when you qualify, your savings are now gone and they will only pay up to 50% of the cost, therefore someone has to come up with the rest. Long-Term Care insurance can help with these costs in the unfortunate event that you require nursing care.

This coverage will help provide nursing home care, home-health care, personal or adult day care usually for individuals above the age of 65 or those with a chronic or disabling condition that needs constant supervision. All of these types of long term care can be very expensive, that’s why most people need insurance. Long term care insurance offers more flexibility and options than many public assistance programs. For example, on average facilities that provide skilled nursing care typically charge from 0 to 0 per day, or over ,000 per year or more. Even custodial home care can cost over ,000 a year if used three times a week. Most long term care insurance policies will cover only a specific dollar amount for each day you spend in a nursing facility or for each home-care visit. Therefore, when you are thinking about getting an insurance policy, it’s essential that you read the policies carefully and compare the benefits to determine which long term care policy will best meet your own needs.

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Reevaluating Your Health Insurance Coverage

Article by Otto Wynn

Health Insurance is imperative for your daily savings and expenses. One can fall ill at any unexpected time, causing misery and most importantly, if you are not covered with any health insurance policy, it can prove to be quite expensive on the pocket. Economy is bad these days. Every penny saved goes towards your savings, and can help you better prepare for your future. If ever a situation arises where you are compelled to spend this money, especially for health reasons, it can surely upset your balance. Lowering your expenses is highly important. One of the easiest ways to save money is through getting an insurance package to protect yourself and your family at times of need.

Most people often find it expensive to opt for a health insurance. They are of the notion that they would rather spend this money if ever any health issue arises. If you are an average ordinary person, consider a time in a month where you have just paid your monthly bills, had your mortgage settled out, and are just satisfied with the way things have turned out. But things may go wrong if you fall ill all of a sudden. Remember, we set apart an amount of money for all of our expenses except for health related issues. It is not uncommon. People tend to save money on literally everything, but just couldn’t afford to save a few hundred dollars for their own health.

Health Insurance may not be as expensive as one would think. Over the years, various health insurance companies have evolved with interesting health and medical insurance packages that are easier on the pocket, all the while providing top quality service. Unlike the previous days, we are provided with an opportunity to compare and select different health insurance and life insurance packages that appeal to us the most. Now for a few hundred dollars a month, you can insure your whole family against unpredictable circumstances and provide them with quality treatment facilities. Compare this to the actual costs that may be incurred during some serious illness. We are talking about thousands of dollars saved.

HSA or Health Savings Account is another option of saving money on health insurance. HSA lets you gain the full advantage of health insurance plans, and also provides you with competitive tax benefits. HSA is more like a savings account, where you are required to invest a few hundred dollars monthly. You will get a fixed interest on this money, and the money being invested in HSA is absolutely tax free. Also, there is nothing known as maturity of the insurance plan, and you can withdraw any amount of money for your medical expenses from your HSA anytime you want. All you will need is to pay off the deficient amount in the subsequent monthly payments. Health Savings Account is just another reason to save money for your extra needs.

Compare HSA plans that are suitable for you and that is quite affordable to accommodate your daily expenditure and savings. Research is the major part of saving money on insurance. It is always important to look up the various rates and packages of health insurance providers, and they provide you with an easy to use interface to research and select free quotes from some of the top notch health insurance companies.

It would also be worthwhile to keep a regular check and update on the health insurance rates of the present day market. You wouldn’t want to end up paying extra, especially at times when the economy requires you to save as much money as possible. For this, you could re-evaluate your insurance rates and packages every six to twelve months, or you can also go in for short duration insurance packages. Either way, never ever forget that you have a health insurance package, and take care to avoid any defaults. Insurance companies usually associate a “*” along with their terms and conditions which states that you are supposed to be making payments at prescribed intervals, or you lose all the benefits. Pay your premiums on time and stay protected anytime and anywhere.

Handle any emergency with Howcast’s First Aid app – howc.stExpand the description and view the text of the steps for this how-to video. Check out Howcast for other do-it-yourself videos from Equilibrio and more videos in the Better Health category. You can contribute too! Create your own DIY guide at www.howcast.com or produce your own Howcast spots with the Howcast Filmmakers Program at www.howcast.com Good health is just a matter of taking a new approach to eating and making simple changes. To complete this How-To you will need: Cooking facilities A shopping list Healthy foods Breakfast Healthy snacks Water Books (optional) Internet access (optional) Step 1: Cook your own meals Cook and prepare your own meals as often as you can. This will help you avoid eating processed and fast foods, which are higher in sodium and fat. Tip: Healthy, low-fat recipes and guidance are available in bookstores and on the internet. Step 2: Make a shopping list Plan healthy meals and make a shopping list. Fill your cart with lots of fresh fruits and vegetables, whole-grain foods, and lean meats. Step 3: Read nutrition labels Read nutrition labels. Pay attention to saturated fat, sodium, and sugar. The higher their numbers, the unhealthier they are. Step 4: Eat breakfast Eat breakfast every day. Breakfast helps to rev up your metabolism. Make it a habit to eat something within the first hour after you wake up. Step 5: Eat every three to four hours Try to eat small meals every three to four …

Long Term Care and Long Term Care Insurance? Your Chances and Your Costs…

Article by Clay Cotton

Clearly, you don’t want to dwell on an image of you or your spouse in a wheel chair or nursing home, but if you don’t plan ahead now for such eventualities, you could end up with a crippling financial burden that can strip a family of it’s entire nest egg.

Funding for eventual long term care must be planned for far in advance, and long term care insurance seems to be the tool of choice. The alternatives really suck by comparison, so it’s time to get going to put your plan in place while you still can.

Fact is, there is nearly a 50% chance that during retirement, due to medical conditions or extended longevity, a person will eventually end up requiring 24-hour skilled nursing care in a long term care facility.

Another astounding fact is that more than 40% of nursing home residents are under age 65. In truth, at age 57, due to advanced Multiple Sclerosis, I myself would be in a care home if my wife would let me out of her sight.

And now let’s look at the average length of facility care plus the projected costs for that care…

Long Term Care – It’s Leading Causes & Average Lengths of Nursing Home Stays ( from Financial Planning News ):

Alzheimer’s: 96 months Diabetes: 48 months Pulmonary: 36 months Cancer: 36 months Stroke: 21 months Cardiac:16 months

What happens if you don’t have long term care insurance, but you do need this long term care?

Well, at room rates of 0.00 per day, if care costs inflate at least 5% annually, then 10 years from now, the average, Alzheimer’s, long term care stay in a private room could cost a family over ,400,000.00+

Do you want your family to pay THAT out of savings? I don’t think so, and long term care insurance is clearly the only sensible answer, but is long term care insurance too expensive?

Long term care insurance can cost from under 0/mo. to over 00/month, so sure, at first insurance can seem expensive, yet consider this:

At 5% annual compounded inflation, in 10 years, actual real-life care costs could mount to well over anything you might ever put into long term care insurance. Just do the math.

The annual long term care insurance premium investment is often less than the actual cost of just ONE MONTH in a care situation.

NOTE: Recent industry articles indicate that long term care insurance is such a valuable planning tool that financial advisors may face legal action if they neglect to at least recommend consideration of coverage. (Trusts & Estates Magazine)

Long term care insurance may make good financial sense for you and yours, and the early bird gets the worm, because the lowest long term care insurance prices are locked in at the younger ages and are designed to remain level thereafter.

In any case, each policy is designed to custom fit your circumstances, so you have to work with a trained long term care insurance specialist in order to create the optimal coverage plan. You’ll want a multi-company broker who can compare companies and policies to find the best long term care insurance plan for your unique situation.

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What Is Long-Term Care Insurance?

Article by Peter Kenny

As people begin to live longer, long-term care insurance becomes more important. Long-term care insurance helps provide for the cost of long-term care which can be incredibly expensive. It is used to cover those issues that are generally not covered by health insurance, Medicare, or Medicaid.

There is often some confusion about what this type of insurance is used for and the people who use it. Consumers should understand that individuals who require long-term care are generally not sick in the way we usually think of that word. Many of these individuals are healthy but they cannot perform the basic activities of daily living such as preparing food, eating, dressing themselves, bathing, and the like. They may need assistance with their medications, as some will often forget to take them.

Another issue that may confuse some people is that long-term care does not have to be long term. An individual may need care for only a few months to recover from surgery or illness, or they may need care for years.

It is generally assumed that as a person becomes older there will be some need for long-term care. In America, Medicare will not cover the expenses of long-term care, but Medicaid will for those who can not afford to pay.

Another issue that is confusing is that long-term care is not restricted to the elderly. Age is not always a factor with long-term care. Younger people who are not able to care for themselves have these needs as well.

When thinking of buying long-term care insurance it is important to remember that in the United States, Medicaid generally does not cover long-term care provided in a home setting, and, in most cases, Medicaid will not cover or pay for assisted living. Because there is this void in coverage, having long-term care insurance can play a huge part in what the individual can have in terms of care related services.

With this protection, long-term care insurance can pay for home care, often from the first day it is needed. It can help pay for a live-in caregiver, companion, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day. Assisted living is paid for by long-term care insurance. The same is true for adult daycare, respite care, hospice care, and more.

Very important to some consumers is that long-term care insurance can also assist with the payments for caring for a person with Alzheimer’s disease or other forms of dementia.

One of the very best reasons for purchasing long-term care insurance is that it helps to protect the savings of the person or persons who will be responsible for paying the bills. Long-term care without insurance can wipe out a lifetime of savings in no time at all. It can also force individuals to liquidate many, if not all, of their assets including homes.

Modern technology is allowing us to live longer but we all need to be prepared for the days when we can no longer make it through the day without some help. Long-term care insurance can be a very useful and effective way to solve that problem.

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Understanding Long Term Care Insurance Policies

According to the American Association for Long Term Care Insurance, there are eight million Americans who currently have long term care insurance policies. This is a small number as the expected population of elderly people who will require long term care in the next 20 years is 70 million.

Only a small percentage of this 70 million can confidently say that they are aware of the cost of care in their area while those who have zero knowledge don’t know where or how to start planning their future health care and medical needs.

People especially those nearing retirement have been advised to clinch a long term care insurance (LTCI) policy. Unfortunately, certain events in the past which resulted in the financial sufferings of present LTC insurance policyholders have instilled doubts in the minds of elderly folks when it comes to the overall capacity of an LTCI policy to spare them from huge LTC expenses.

Towards the end of 2010, top LTC insurance providers applied for premium rate increase to state insurance regulators and the approval of their application eventually led to many LTC insurance policyholders’ financial pitfall.

Since then many have opted to cancel their coverage while those who were very close to purchasing LTC insurance policies, turned away and looked for other alternatives.

Beating the economic crisis by tightening one’s belt is hard enough so to be faced with an annual premium that is twice of what you have been forking out for the past 10 years is a bitter pill to swallow according to many average American families earning a modest income.

How to Afford Long Term Care Insurance Policies

Comprehensive LTC insurance policies are the best to have as these allow policyholders to choose where to receive care and these normally cover 100 percent of a policyholder’s LTC expenses.

Unfortunately, choosing a comprehensive policy will dry up your resources quickly as it comes with a very high annual premium.

Long term care specialists suggest that you consider the catastrophic long term care insurance instead, as this offers a relatively lower annual premium with its longer waiting period.

Picking this over a comprehensive policy will guarantee you an annual premium that is 40 percent lower than a policy which stipulates a 30-day waiting period.

Aside from the difference in waiting period, the catastrophic policy usually pays only a portion of LTC expenses so you definitely get to save on premiums.

Some people who have been advised to get a catastrophic policy turned down the idea reasoning they do not have overflowing assets so they definitely can’t afford the remainder of their LTC bill. According to them, they would rather endure the high premiums of a comprehensive policy at least they know that their future LTC expenses will be covered 100 percent by their policy benefits.

In response, financial advisers said frugality will enable one to pay a small amount of LTC expenses which he could possibly incur in an assisted living, from home care services or nursing care.

They further added that one should include in his long term care plan a well maintained savings account and 401 account because long term care insurance policies are only going to cover custodial and medical care expenses. You must have a separate fund for your other daily expenses.

Carol Biaggi does a fantastic job reporting for Bloomberg on Long Term Care Insurance. When it comes to sickness and injury, 3 in 4 need more care than their healthcare plan will cover. This is why Long Term Care insurance completes your healthcare coverage. Learn more at www.3in4.pciyes.com or call Physicians Choice Insurance Service at (949) 614-7096. What do long-term care insurance policies cover, how much do they cost and how does the cost changes depending on the choices you make when buying a policy. Financial planners and other experts discuss the benefits and the risks, including rising premiums and what life would be like if you needed this coverage and didn’t have it.
Video Rating: 5 / 5

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The effective health plans of Washington State health and insurance

Article by mark waugh

The modern day’s people are very advanced and they’ve become well efficient in taking a great care of their health. Health has been a great factor for the people nowadays and every people have become concerned about their health aspects. Though they’ve become concerned about their health aspects but their busier professional lives rarely leaves them any proper opportunity to take the utmost care of their health. The inadequacy to take tender care of their health has resulted to the suffering from many fatal diseases. This has turned out to be bad deal of problems and for this reason, there’s been the rise of many healthcare facilities to take the utmost care of their health at times of suffering from diseases. The health care plans play a significant role nowadays for assisting the people to undergo the best methods of treatment with ease. The demands of effective and efficient health insurance has been huge among the people and these rising demands have brought many spectacular and well efficient health plans for making them enabled to take the proper diagnosis and treatments.

The very best initiative among the health insurances has been taken by Washington State Health care authorities. It’s taken the best initiatives in the fields of health related coverage plans. The health plans provided by Washington healthcare authority are awesome in facilitating the treatment process for the diseases affected people. There’s a large number of policies available for the folks. The best part is they require very little documentation and are also very faster in proceedings. The rates of the premium of the health plans are very affordable and they are very easier for the people to afford and cover up. There are small premiums through which one can procure the health insurances or the health plans.

There are various policies for the senior citizen, and children both and they are extremely effective at the same time. The insurances that are provide covers all types of normal and critical diseases such as from heart attacks to the dental diseases. It has been a great advantage and also beneficial for the people of Washington to have such effective Washington health insurance with them for facing the different types of critical diseases. The lifewise of Washington has been extremely popular these days and they’ve been efficiently serving the folks. The health policies cover up to all the facilities that should be provided to a patient starting from the treatment costs to the medicine costs. The person claiming for the insurance should have to be a permanent citizen of USA. The services of these health plans are available at different places of Washington and these online help has also been introduced to facilitate the entire process of applying and gathering information at ease.

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Long Term Care Insurance
Compare Long-term care insurance quotes

You can get various benefits with long term care insurance plans by easily comparing the various insurance quotes from the several insurance companies. You should buy long-term care insurance policy that provides at least one year of home health care, or nursing home care coverage. Provide all your personal information, type of policy, zip code, age and health of applicant in order to get the best possible Long term care insurance cost . The customer must compare several long-term care insurance quotes, compare their costs and then make a final decision regarding purchase.

We can help you choose the most affordable long term care insurance coverage by comparing about 5-6 insurance carriers and getting the lowest, free insurance quotes in a very less time.
Why to obtain Long Term Care Insurance?

The comparison websites are the modern way to compare the long term care insurance quotes and get the best affordable insurance deal. A long-term care insurance policy is indispensable if you are not able to perform the basic activities that are necessary in daily living including dressing, bathing, eating, continence and toileting. If you are in poor health and above 65 years of age, then you should purchase long term care insurance policy as there is always inescapable possibility of getting injured and being unable to pay for medical care in the future.

We are your expert guide to help you in comparing the long term care insurance quotes from multiple top insurance companies.
Introduction to Long-term care health insurance

Long-term care insurance is just another method of protecting a person against risk of medical emergency that may leave one incapacitate to perform the daily activities of life such as eating, bathing, dressing, etc. With the help of Long Term Care Insurance, a customer can easily pay for all his expenses for the nursing facility or home care for a long term illness. A Long-term care insurance policy provides protection for the policyholder’s independence and his assets when a health crisis occurs. Long Term Care Insurance provides excellent services in the form of home health care, assisted living facilities, community care, and as a last resort, nursing homes.

Top Tips to save money on long term care insurance rates

Ask a long-term care insurance expert if you are serious about finding the best long-term care insurance rates. If you purchase the long term care insurance policy . at the younger age then you can have the advantage by paying less premiums and your coverage will be assured for a longer period of time. Most of the elderly people are able to protect their health without depleting their financial assets with subscribing to the long-term care insurance. The customer should notice the track record and verify the credentials of the long time care insurance company before seeking low rate insurance policy.

Obtain the most amazing discounts for long term care insurance in order to save your hard-earned money. The best insurance tip is to compare online long term care insurance rates that can really help you save a great deal of your money and time. By using the Internet, you have access to the top long term care insurance companies and can easily choose the best company suiting your time and budgetary needs. A customer can obtain free Long-term care insurance quotes . with the help of comparison facility available with us. A customer can get the best long-term care insurance plan at the best price with the help of our comparison service.

Compare instant long term care insurance quotes online.

We can help you evaluate and compare long-term care insurance rates to know which is the best insurance policy that is suitable for you. Long-term care insurance is just another method of protecting a person against risk of medical emergency that may leave one incapacitate to perform the daily activities of life such as eating, bathing, dressing, etc. Online long-term care insurance quotes offer great advantage to its customers in terms of saving their valuable time and money. The best way that a customer can avail free long term care insurance quotes in his own residential area is by comparing about 3-4 insurance carriers. We can help you make an intelligent choice about choosing your next long term care insurance carrier when you enter your city zip code on our website.

More Ways To Save On Long-Term Care Insurance

Article by Jesse Slome

There’s increased interest in long-term care insurance as a most viable way to protect against the enormous and costly risk of needing long-term care at some point in our lives.

Because long-term care insurance is still a relatively new form of protection, many consumers are unfamiliar with the simple ways to reduce the cost. Here are two additional ways to save.

Married Couples and Partners Can Save 15% to 40% Each Year

Discounts are offered by long-term care insurance companies to married adults and even unmarried adults who are living together. These discounts vary from one insurer to another and typically require that both individuals purchase coverage.

However, some companies will offer a discount when only one couple purchases coverage (sometimes only one individual is insurable). Some companies offer discounts to domestic partners or individuals in committed relationships.

And, here’s an important tip for those who are regrettably anticipating a divorce. At the time of writing this article, most insurers will not remove the “marital” discount when a couple gets divorced. But you’ll need to buy this coverage while still married.

Adding A “Deductible” Can Save 20% Each Year

You are probably familiar with the concept of deductibles on your car, home and even your health insurance. Simply, you pay some of the cost before your insurance kicks in.

Deductibles on long-term care insurance policies are typically referred to as the Elimination Period. This is the number of days you choose to pay fully until your benefits for qualifying care begin.

The longer your Elimination Period, the lower your annual premium will be. Keep in mind that, generally, your initial need for long-term care will not be as intense or costly as the care you’ll need over longer periods of time. Maybe you have family members or community resources you can turn to for those initial days.

A 2008 study by the long-term care insurance trade organization reported sales by Elimination Period:

20-to-30 Days 7% of buyers 31-to-89 Days 7% 90-to-100 Days 83% 100+ Days 3%

A Defined Benefit Period Will Save 16% to 53%

One of the most difficult decisions you’ll face when selecting your long-term care insurance is how long should benefits last. No one can predict how long you’ll need care.

Why averages are not relevant. Because your chances of needing long-term care are either 0%… or 100%. Thus, a good way to approach your planning is to look at the value of financial assets you want to protect with long-term care insurance. Then you can back into a daily dollar amount and number of years of coverage.

What can you save? A policy that pays for 5 years will save between 16% and 27% yearly compared to an unlimited (also called a lifetime) benefit. A policy that pays 3 years will save 36% to 39% compared to an unlimited benefit.

And, one of the best ways to save is to work with a knowledgeable long-term care insurance professional who has access to policies from multiple insurance companies. They should be willing to answer your questions and to provide you with no-cost price quotes without any obligation.

To find a comprehensive online directory of over 3,000 insurance professionals who can assist with your long-term care insurance needs, visit the Consumer Information Center of the American Association for Long-Term Care Insurance.

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