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How Long Will You Need Long-Term Care Coverage?

How Long Will I Need Long-term Care Coverage?

The average stay in a nursing home is estimated to be 2.4 years. Some people stay much longer or require an extended period of home care before they require admittance to a nursing home. There are a number of factors that should be considered in selecting a benefit period – your age at purchase, your current health, your family’s health history, the increase in life expectancy and even your marital status.

"By the year 2030, the over 65 population
will more than double to 71.5 million."


Get a Long-Term Care Insurance Quote


For additional information see the links below:

Long-Term Care Insurance-Home Page

General Information
1. What is long-term care?
2. Where can I receive long-term care services?
3. What are Activities of Daily Living (ADLs)?

What is the Cost of Long-Term Care Services?

Paying for Long-Term Care Services
1. How are long-term care services paid?
a. Self-Insure
b. Medicaid
c. Medicare
d. Long-Term Care Insurance

Is Long-Term Care Insurance Appropriate for You or a Family Member?
1. Who could benefit from purchasing long-term care insurance?
2. What is the right age to purchase long-term care insurance?
3. Is there anyone who should not purchase long-term care insurance?

What Are the Costs of Long-Term Care Policies Based On?

How to Select a Policy?
1. What decisions do I need to make?
2. How can I protect myself against the rising cost of care?
3. How much coverage is right for me?

What About Different types of Policies and Coverage?
1. What is the difference between “reimbursement,” “indemnity,” and “disability” type policies?
2. What is a "Tax Qualified" policy?
3. What are "Partnership Programs"?

What About Benefits?
1. How do I become eligible to receive benefits?
2. Who determines when I am eligible for benefits?
3. What happens to my benefits if I stop paying my premium?
4. What is a “return of premium on death” benefit?

What Else Should I Know?
1. Can I change my mind if I buy a policy?
2. Can my premiums be raised?
3. How can I evaluate a long-term care insurance company?
4. How can I obtain detailed information on long-term care insurance?

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Get a Long-Term Care Insurance Quote

Like other insurance coverage, long-term care insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete details, contact an insurance company offering long-term care insurance.


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