long term care insurance

Although people are generally living longer, many are requiring assistance in
their later years. Long Term Care insurance 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 away from the home.

According to recent data, 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 than 2% of nursing home
costs are paid by Medicare with the national average nursing home cost
approaching $40,000 per year.

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. A Long Term
Care insurance policy can help protect your assets from the rising cost of
care.

Long Term Care insurance carriers have the right to raise premiums. The
policies are "guaranteed renewable" which prevents a carrier from singling
out individuals for rate increases, but they may raise premiums for a "class"
of policyholders. Ask your insurance agent if any carrier they're
recommending has ever increased in-force premiums.

Long Term Care insurance is often referred to as "asset protection."
Individuals need to have assets worth protecting in order to justify the
purchase of a policy. If you are able to pay Long Term Care insurance
premiums without having to change your lifestyle - you should transfer that
risk to the insurance company. **

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.

**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 long term care insurance coverage you're interested in purchasing.