Long-Term Care Insurance

Long-term care insurance pays for the costs of long-term care, which is needed when you or an elderly loved one is disabled or has a condition where it is no longer possible to live independently. Learn about long-term insurance, what it pays for and its costs.

Articles About Long Term Care Insurance

For Seniors, A New Model Meant to Deliver “Accountable Care”
An Accountable Care Organization is a collection of health care providers who come together and agree to be responsible for the care, quality, and cost of healthcare services for a set group of people.
What is Long-Term Care Insurance?
Long-term care insurance policies cover the cost of assisted living, nursing homes, home health care and other services related to long-term health care.
7 Things to Consider Before Purchasing Long-term Care Insurance
There are many considerations to take into account when buying a long-term care insurance policy. Make a better long-term care insurance purchase and save money after taking a look at these factors.
At What Age Should You Buy Long-Term Care Insurance?
At what age should you purchase long-term care insurance? The younger you are, the lower the premiums in many cases.

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Q&A with the Experts on Long Term Care Insurance

Who needs long-term care insurance?
Everyone, regardless of age, should consider long-term care insurance to pay for the cost of home care, assisted living or nursing homes.
At what age should you buy long-term care insurance?
Nobody ever wants to go into a skilled-nursing facility (SNF), or nursing home. Few people ever truly want to send a parent to one. Yet for a variety of reasons sometimes there is no alternative. You are wise to consider your parents' options even if both of them are now healthy.
Are long-term care insurance premiums refundable if the seniors dies without needing care?
If a person dies and does not use their long-term care insurance, the premiums are not refundable.
What is inflation protection for long-term care insurance?
Inflation protection on a long-term care insurance policy makes sure that your policy keeps up with the rising costs of home care, assisted living and nursing homes.
What is the age limit for buying long-term care insurance?
The age limit for buying long-term care insurance is usually 84 years old.

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News about Long Term Care Insurance

CLASS Act Implementation Halted
The CLASS Act, part of the Affordable Care Act, has been halted by the Obama Administration. The CLASS Act was meant to save the government money while giving people the option to purchase affordable long-term care insurance.

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