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Главная » 2013 » Декабрь » 6 » long term care insurance online quote
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long term care insurance online quote

Long Term Care Insurance | Quotes Comparisons

long term care insurance online quote

Long Term Care Insurance

We provide consumers with Long Term Care Insurance quotes that help you shop the market and compare policies from the top providers, getting you best plan at the lowest rates and allow you to safeguard their assets and protect your future health.

Long Term Care Insurance gives you peace of mind that you won’t be forced to exhaust all of your assets in order to pay for long term care in your senior years. The risk that you will need long term care is high and planning ahead is crucial.

Financial Planning Now

Thanks to technology and progress in the medical industry, people are living longer than ever.

- Women are living to an average of 81 years of age

- Men are living to an average of 76 years of age

Because we now spend many more years in retirement than the generations before us, it is vital to save more for these years than our parents or grandparents did.

Chances are, you or a loved one will require long term care services in your senior years.  A government study estimates that 7 in 10 Americans over the age of 65 will need long term care at some point.

Planning ahead can help you avoid the stress and trauma that many experience with long term care.

What is Long Term Care?

Long term care refers to a number of services provided to those who need assistance. In-home health aides, assisted living facilities, nursing homes, and adult day cares are some of the most common forms of long term care.  Cognitive problems are the number one reason people file a claim on their Long Term Care Insurance plans.

  • 59% of seniors age 85 or older have Alzheimer’s, dementia, or another form of cognitive decline.

Other top reasons for needing long term care heart disease, stroke, cancer, obesity, and bone fractures.  Long term care isn’t just for the elderly, either.

  • 40% of the 14 million people receiving long term care in the United States are between ages 18 and 65.

Knowing your risk and assessing your options can save you a lot of stress and money should you ever encounter a situation where you require long term care.

How Much Does Long Term Care Cost?

Bottom line: long term care is expensive. The costs are often a shock to people.  Genworth recently released their Cost of Care Survey and found these average annual costs:

  • A private room in a nursing home $83,950
  • In-home health care is much cheaper $44,479
  • Assisted living $41,400
  • Adult day cares are much cheaper (daytime only) $16,900

The average stay in a nursing home is around 3 years, meaning you could pay upwards of $250,000 just for care. Inflation is increasing the costs at a steady rate, and the annual cost of a nursing home is expected to jump $20,000 in just 2 years. Nursing homes aren’t the most common form of long term care, though, and for every 1 person in a nursing home receiving care, there are 4 people receiving care at home. Although cheaper, in-home care is still not affordable for most people.

These costs can destroy your savings and leave you broke after years of hard work.  In order to avoid exhausting all of your assets and compromising the quality of care you receive, you can take some steps to prevent this financial disaster and prepare for the cost of care you will most likely need.

How Can Long Term Care Insurance Help Me?

More people are turning to Long Term Care Insurance to help safeguard their assets against the astronomical costs of long term care. Long Term Care Insurance helps pay for these costs, even if you want to receive in-home health care. An LTCI policy will help you maintain your independence and dignity, protect your hard earned money and valuable assets, and prevent you from becoming a burden on your family and loved ones.

Call us for a quote today at 1-800-800-6139 or fill out our online form.

long term care insurance online quote

Long Term Care Insurance | Quotes Comparisons

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