LTC Policies

There are three general types of long term care insurance policies.
You will want to discuss with an insurance agent exactly what types
are available in your state.

Facility Only: Will pay benefits for care in a nursing home, assisted
living facility or board and care facility. It's the most basic policy but
often the most needed type.

Home Health Care: Will pay benefits for care in your home, but not
in a facility. The preferred policy when a home health care situation is
possible.

Comprehensive: Will pay benefits for care in your home or in a
facility. This is the preferred type of plan (policy) because of it's
flexibility, but is also the most expensive.

The long term care insurance specialist that contacts you will assist in
deciding which type of policy will work best for your needs.

There are six primary factors influencing the premium for long
term care insurance policies:

Type of Policy: Noted above.

Age: The most important element in determining the premium.
Naturally the earlier you start paying for long term care insurance the
better.

Daily Benefit: The maximum amount a policy will pay for one day of
care. This can vary from $50 per day to over $400 per day. The
average cost of a nursing home in 2002 was nearly $140 per day. You
will decide whether to purchase sufficient insurance to cover all of
these costs or only most of them.

Benefit Limit: The number of years that a plan will pay a benefit
from the time you get sick. Benefit limits generally vary from one year
to lifetime coverage. The longer the benefit limit, the greater the
protection but the higher the cost.

Inflation Protection: Sometimes called an "inflation rider", this
provides you with a way for your daily benefits to increase over time.
Otherwise, the policy may not be sufficient to protect you many years
from now. Long term care insurance policies normally contain riders
offering automatic daily benefit increases of 5 percent each year, either
at "simple" or "compounded" rates.

Elimination Period: Amount of time that you agree to pay out of your
own pocket before the long term care insurance plan (policy) begins to
pay. This period normally varies from 0 to 100 days. The 100-day
elimination period will produce the smallest premium cost to you.

Click on the link above and fill out the form in order to receive
long term care insurance coverage quotes. We forward your
information to licensed long term care insurance agent
specialists in your area who will contact you in a timely
manner, usually within a few hours, with a quote(s) by the
method you request: email or phone.

Our services are 100% free to you. We also require that
insurance agents do not share your personal information to
non-insurance related sources.

Long term care insurance quotes
are available if you reside in one
of the states listed below:

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

**This page consists of general information on long term care insurance coverage that you can fill out a
quote form for on HealthInsuranceQuoter.com. It is meant only to be a brief overview of what a long
term care insurance coverage represents. You should always consult a licensed insurance agent for
complete details regarding any health insurance coverage you're interested in purchasing.