Long Term Care Insurance (LTCi) is designed to help you pay for LTC services that characteristic insurances won’t cover. This isn’t like standard medical insurance where it’ll pay for doctor’s visits, prescriptions and the alike. This type of coverage helps in many other ways other than just paying for care.
In the event you become unable to care for yourself, this insurance will take care of a very large portion or all of the required costs to get you the help that you need. Long Term Care Insurance allows you to stay in your home as long as possible and pays for home care givers, home nurses, consultants, etc. It’ll even pay for care in facilities like: Assisted Living or Nursing Home Facilities and Alzheimer facilities. It will help to pay for hospice care and provide respite care to.
This is a great additional insurance to have, considering that once you have been accepted by a insurance carrier, you should be 100% vested in your LTCi policy (No waiting period). You will be able to have reassurance and peace of mind by knowing that in the event that you need this type of care, no matter what your age is, that a very large portion or all the costs will be covered and that you will be ready to receive more than satisfactory care. Agree with it or not, the majority who want this sort of insurance are between the ages of 18 and 64. That just proves you that even younger people need this insurance coverage and that it is not necessarily for the older generation or the boomers preparing for retirement. This asks the question, can we afford not to own a long term care insurance policy at any age?
Make sure that you do not have to pay major expenses that may be incurred through care that you will need. This type of care, no matter what type, can be very expensive for you and your family. One can never have too much insurance but it is also key not to go insurance poor either. To insure that you don't over insure and buy more insurance than you need be sure to consult a Long Term Care Insurance Specialist or that the least your financial advisor. Long term care insurance can be your answer to a large amount of your financial problems Now or Down the road when dealing with Long Term Care. You just never know what you’ll be handed in life but consider this statistic; 73% of people over the age of 65 will need more than just traditional health care or Medicare. That means you or your spouse will need the care, can you or family afford not to own a long term care insurance policy? "We are living healthier and longer lives" says Kurt Lauman a long term care insurance specialist with LTC Financial Partners, a independent long term care insurance agency that brings all the top insurance carriers to you.
This insurance will even help to pay for the necessary items to guarantee your care and preserve your dignity for life. For instance: medical hardware that’s required, home modification, transportation to medical appointments, and even training of a friend or member of the family who could be caring for you. Some policies will even pay for a services care coordinator which is mostly a nurse or a social employee in your community. Some policies even cover homemaker services. Now, you can see how long term care insurance will help you financially and emotionally.
You should definitely look into long term care insurance for yourself and your spouse. Medical bills and care services can be very costly if you’ve got to pay for them out of your own pocket.
You can decide on the sort of policy, the benefit amount ( maximum lifetime amount and/or daily benefit amount ), for example. Don’t wait too long, check into this type of insurance coverage today. In the final analysis, how long-term care insurance will help you is incredible and you definitely won’t regret it.
"I can safely say that the purchase of my Long Term Care Insurance Policy was the wisest, most forward-thinking, and financial decision of my life!" a New Jersey resident mentioned. "Even when my financial advisor didn't support my decision" she continued to add "this is not the type of coverage that you want to wait till you develop a disability, you do you have to qualify financially and health wise!" Kurt Lauman a Long Term Care Insurance Specialist says "Know all your options sooner rather than later"
You have found one of the single best sources of information on long term care insurance. We are a licensed independent insurance agency that specializes in Long Term Care Insurance. Our mission is to provide you with excellent service, helpful advice and useful resources nationwide. Find out more about Long Term Care insurance from Kurt Lauman a Long Term Care Insurance Specialist & Partner with LTC Financial Partners, LLC. (LTCFP) *Be sure to visit for FREE Online Long Term Care Insurance Quotes from the nations “Top” LTC Insurance Carriers & Official LTCI eGuide!
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