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Long Term Care Insurance

Long term care insurance covers services that health insurance does not. If you need assistance with daily activities, LTC insurance will help cover the costs of care.
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Why buy long term care insurance?
Nearly 70% of the population will need long-term care services or support, according to 2020 data, which is the latest data available from the Administration for Community Living, part of the U.S. Department of Health and Human Services. Women typically need care for an average of 3.7 years, while men require it for 2.2 years.
Considering long-term care costs is an important part of any long-range financial plan, especially as we age. Here are some of the ailments that a long term care insurance policy would help keep costs down for:
Chronic Illness
A chronic illness is a condition that lasts for a long period of time and usually cannot be cured. You may require ongoing medical attention or limit activities of daily living or both which would require hiring nurses to take care of you. Chronic diseases such as heart disease, cancer, and diabetes are the leading causes of death and disability in the United States.
Disabilities
If you ever have a physical or mental condition that would limit your movements, senses, or daily activities. You would require assistance with most daily activities like bathing and dressing.
Mental Disorders
If you're diagnosed with Alzheimer's, Autistm, Depression, and many other mental disorders or diseases that would make you unable to take care of your well-being.
Long term care insurance covers a portion of the costs of professional medical care needed to maintain the best quality of life for you. Here are some covered specialties:
In home care
Assisted living facility
Adult day care centers
Waiting until you need care to buy coverage isn't an option. You won't qualify for long-term care insurance if you have a debilitating condition, and long-term care insurance carriers won’t approve most applicants older than 75. Most people with long-term care insurance can buy it in their 30s but you wont be able to get it past age 75.
Regular health insurance doesn’t cover long-term care and Medicare won't come to the rescue, either; it covers only short nursing home stays or limited amounts of home health care in specific instances, such as for rehab after a hospital stay.
If you need custodial care, which includes supervision and help with day-to-day tasks, and you don’t have the right insurance to cover long-term care, you’ll have to pay for it yourself.
See what a long term care insurance policy would cost. You'll be surprised!
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