Long Term Care insurance is an often misunderstood coverage.  Many people still call it "nursing Home Insurance", but todays Long Term Care plans can cover so many other types of coverage depending on the plan you choose.

It can be expensive, so it's not an option for everyone, but the truth of the matter is that 75% of people 65 years of age or older will need some form of Long Term Care and in their lifetime.  You may personally know friends or family that have taken it upon themselves to provide LTC for their loved ones and its not easy.

Taking care of loved ones is emotionally and physically taxing.  People often take time from their jobs to provide care which in turn causes additional personal and financial strain, but their are a variety of plans to choose from with varied options that can help alleviate many of the stressors involved with LTC.  Many of todays Life Insurance Plans also offer limited LTC Rider options as well.  So be sure to look at the many options out there, know your rights and don't be afraid to ask questions.  Be sure to also understand the financial benefits and tax credits that may be available in your state

*  Life Insurance - available options up to age

*  Accidental Death & Dismemberment

*  Cancer

*  Critical Illness

*  Vision

*  Dental

*  Accident

*  My Future 401k for small business

*  Long Term Care

*  Indexed Annuities

*  Section 125 Cafeteria Plans

*  Travel Insurance


Understanding Long Term Care.

  • http://www.aoa.gov/er
  • http://longtermcare.gov/

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Long Term Care Resource Pages

Individual & Group Health Insurance 

Other Services

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More Voluntary & Group Options

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term Care Insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.  You can select a range of care options and benefits that allow you to get the services you need, where you need them.

The cost of your long-term care policy is based on:

- How old you are when you buy the policy
- The maximum amount that a policy will pay per day
- The maximum number of days (years) that a policy will pay
- The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
- Any optional benefits you choose, such as benefits that increase with inflation

If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate.  Some group policies do not require underwriting..