Long Term Care Insurance

Long Term Care insurance helps pay for long-term care services typically not covered by regular health insurance, Medicare or Medicare Supplemental Insurance.

When considering the purchase of long term care insurance for yourself or a family member, there are several things to consider. First, long-term care insurance is not available to everyone. Certain conditions, like Alzheimer's Disease can make you ineligible for coverage. Other diagnoses may limit coverage. Second, not everybody needs long term care coverage. Since coverage can be expensive, it is best to identify the benefits that are provided, the protection offered and the alternatives available (i.e. Medicaid coverage).

Once you decide that a policy is needed, be sure to clearly understand the benefits and limits of the policies considered.

The more flexible the policy, the more useful it can be when needed. It is important to balance service with cost, to make decisions early, to be aware of what you are buying, and buy from a reputable insurance representative.

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