Long Term Care Insurance

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Long Term Care Benefits
What is Long Term Care Insurance?

Long term health care is a category of health care for people who are physically or mentally unable to care for themselves. Alzheimer’s, stroke, diabetes, and just plain old age are common reasons people need long term care. A fortunate few have already made long term care plans, perhaps including long term care health insurance to cover the cost of long term care.

While 42 percent of people over the age of 65 require, or will require, long term care, neither Medicare nor Medicare supplemental insurance cover the costs of these services - neither in your own home nor in a nursing facility.

Worse yet, these long term health care services are tremendously expensive. Many families have gone bankrupt trying to fund adequate long term care for their loved ones.

Many retirement planning experts encourage retirees to carry long term care insurance. Long-term care health insurance:

  • Protects your retirement plan from financial ruin
  • Is good asset protection planning so you can leave an estate for your loved ones' benefit
  • Assures you of long term health care treatment that meets the current standards for long term care.