Long Term Care and Long Term Care Insurance

A person might need long term care (LTC) if he/she cannot perform activities of daily living such as eating, taking shower or getting dressed by him/herself anymore. Certain disease can also make long term care necessary.

Long term care is not the type of care offered by a hospital or a doctor's clinic. Long term care can be received at home, in a nursing home or at an assisted living facility. About 55% of American who are 85 or older needs long term care.12 million older Americans are expected to require long term care in the year 2020.

Long term care is very expensive. Both nursing home care and home health care costs a lot. Unfortunately, a person's health plan and disability insurance usually do not cover the cost of long term care. Also, in most cases Medicare can't cover long term care either.

Long term care insurance is restively new, but nowadays there are more than 100 companies offering long term care insurance coverage, which is available through groups and to individuals.

Long term care insurance policies usually cover care in state-licensed nursing homes as well as certain home care services provided by certified home health agencies. Limits and exclusions of long term care insurance differ from policy to policy. Make sure you have a good understanding of what are covered and what are not before buying a long term care insurance.

About the Author

John Lee is a freelance Internet writher who has written articles for many websites. His articles on long term care can be found at Long Term Care Helper (http://www.101longtermcare.com).

In The News:


pen paper and inkwell


cat break through


Insurance for Those Who Run Bed and Breakfast Properties

A Bed and Breakfast, often referred to as a B&B,... Read More

Choosing Long-Term Care Insurance

A little over sixty percent of the folks who reach... Read More

Avoiding The Potholes Of Car Insurance

Car Insurance is an issue that we all of face... Read More

Outside Pressures On The Typical Insurance Adjuster

Insurance adjusters are not without outside pressures they must deal... Read More

The Life Insurance Policy and What You Need to Know Before You Buy

Are you looking to buy a life insurance policy? Well,... Read More

Guide to Life Insurance Terms

Listed below is a useful guide to life insurance terms.... Read More

Why Should I Go To A Life Insurance Broker?

A life insurance broker is a dedicated person that encourages... Read More

Guide to Car Insurance

Here is a useful guide to car insurance. Buying car... Read More

Natures Fury - Time to Check Your Insurance

The communities of Exmouth and Moora in Western Australia don't... Read More

What Should I Do About Billing Problems When Using HSA Money?

If you run into a billing problem or misunderstanding with... Read More

Accident Factoids

Accidents, personal injuries and insurance claims are here to stay.... Read More

Auto Insurance Rates

Auto insurance rates will vary depending on the insurance agency,... Read More

The Ups and Downs of Temporary Health Insurance

If you're a recent college graduate, or in between jobs,... Read More

How Much Car Insurance Should You Buy?

Car insurance is one of the most dreaded chunks in... Read More

Car and Home Insurance Northern Ireland

Don't skimp on insurance. This probably doesn't sound like a... Read More

Life Insurance Information

Life insurance is a personal insurance plan designed to pay... Read More

Group Term Life Insurance and the Options Available

Group term life insurance is more affordable than individual life... Read More

Is Purchasing Travel Insurance Smart?

To answer the question "is purchasing travel insurance smart?" let's... Read More

Six Crucial Insurance Claim Possibilities

There are DOZENS of insurance claim possibilities which will increase... Read More

How to Shop for Individual Health Insurance

If you find yourself in the position of shopping for... Read More

Term Life Insurance Help

Life insurance can be a very scary thing. If you... Read More

Do Insurance Premiums Increase Every Year?

Many people ask, "If I am supposed to get a... Read More

Life Insurance Basics

One of the most important things you can do as... Read More

Health Insurance Coverage

Health insurance is something that everyone needs today. The rising... Read More

How Much Can My Auto Rate Increase After One Accident?

Accidents almost always make your insurance rates increase. Whether or... Read More

Choosing Affordable Health Insurance For Children

In most cases, private health insurance comes through a person's... Read More

Finding California High Risk Truck Insurance

California high risk truck insuranceIf your are in need of... Read More

What Price For Your Health?

How do you put a value good health? For many... Read More

What Is Renters Insurance Really All About?

Renter's insurance is protection intended for anyone who rents an... Read More

Health and Dental Insurance Quotes - Applying Online

Since 2001, large health and dental insurance companies such as... Read More

Why Dont Women Have Life Insurance?

Traditionally, life insurance companies solicited men as the main breadwinners... Read More

Understanding How Your Credit History May Affect Your Car Insurance Coverage

Many personal auto insurance companies consider your credit information when... Read More

Life Insurance Fears Post the London Bombings Tragedy

Following on from the tube train and bus bomb attacks... Read More