Long Term Care Insurance

What is Long Term Care Insurance?

Long Term Care Insurance is coverage that, under specified conditions, provides skilled nursing, intermediate care, or custodial care for a patient (generally over age 65) in a nursing facility or his or her residence following an injury. Long term care insurance can also take care of the needs of anyone who has a slow debilitating disease or illness, or who may find that he or she is in need of home health assistance.

People are living longer today than at any time in history. Retirement communities and assisted living facilities are everywhere. As the baby boomer generation starts to retire, social security benefits may not be enough to cover the cost of living.

Many adult children live hundreds of miles away from their aging parents. Stopping in to see them on a daily basis is not possible. Many of our elderly are mentally alert and able to live alone. Many elderly insist on not leaving their homes to go live with an adult child. However, they may need assistance for things such as bathing, cooking, transportation to the doctor and/or shopping. Long Term Care Insurance will help assure adult children that their parents will receive the home care they may need while still giving the parents the independence they want.

Long Term Care Insurance is Beneficial For Young Adults

Many young and healthy individuals purchase Long Term Care Insurance. It is beneficial for a young and healthy person to purchase Long Term Care Insurance because if they permanently injured in an accident, or if they became afflicted with a debilitating disease, Long Term Care Insurance will cover most, if not all of their health care needs.

Another reason individuals choose to purchase Long Term Care Insurance is that the younger and more healthy you are at the time of purchase, the least expensive the policy will be.

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