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No one really knows if they will be needing long term care in the future, but there are several factors to consider. Your age, your health or family's health history, your gender and your current financial and living status.
If you have a history of chronic illness in your family, you might be at risk. Or if you are already in the prime of your life, then you might consider getting ltci, because the likelihood of needing it increases at you age.
Women tends to live longer than men due to their lifestyle. Men are more active in Alcoholism and smoking so they are prone to die at an early age. so women have the higher risk of being an ltc dependent.
Your current living status also matters, if you live alone or a widower, and you can't rely on family members to care for you then you will also need long term care.
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How can you find long term insurance care cost?
There are many ways to find long term insurance care. Long term insurance care can be found on websites such as Nationwide, LongTermCare, and CompareLongTermCare.
Which companies offer federal long term care insurance?
The Federal Long Term Care Insurance Program (FLTCIP) specializes in offering federal long term care insurance to eligible groups and their relatives.
Where can one find long term care insurance?
One can find long term care insurance at many various health insurance websites like Blue Cross and Blue Shield. They have many options for long term care insurance.
Is long term care insurance the same as long term disability insurance?
Long-Term Care insurance protects asstes, disability income protects incomeNo, long term care insurance covers all the costs of a caregiver that is not covered by Medicare, Medicate and disability insurance. These services are quite extensive and expensive.
Where can one take out a long term care insurance policy?
One can take out a long term care insurance policy from several different places. Some of the places in which one can take out a long term care insurance policy from are: Long Term Insure Me, and Own Your Own Future.
What are some companies that sell long term care insurance?
Companies that sell long term care insurance are American Fidelity Assurance, Berkshire Life Insurance, MedAmerica Insurance and Prudential Insurance.
Are there insurance policies that cover only custodial care?
An insurance policy that covers custodial or personal care is a long term care insurance, generally, long term care insurance covers things that are not covered by health insurance. If you are unable to perform activities of daily living, or need assistance due to disability and chronic illness, long term care insurance covers these services. However, you need to buy it before your develop a condition that would require you to be on long term care
How can one get long term health insurance in the US?
One can get long term health insurance in the United States from LTC Insurance and AARP Medical Insurance. One can also get long term insurance from Long Term Care and Kaiser Permanente.
What has the author Valerie VanBooven written?
Valerie VanBooven has written: 'Aging answers' -- subject(s): Insurance, Long-term care, Long-term care, Older people 'The Senior Solution' -- subject(s): Long-term care, Long-term care insurance, Older people
What is the cost of Long term care insurance?
The cost of long term care insurance depends on your purchase age, location, and the benefits and policy features you choose.
Where can one compare long term care insurance rates?
One can contact insurance companies directly or work with a broker to collect and compare offers for long term care insurance. Alternatively, websites like Compare Long Term Care can provide such a list for comparison.
What are the benefits of long term care software?
Long term care software is designed for the unique record keeping needs of long term care providers and helps to keep costs low and efficiency, productivity and accuracy high.In addition, it helps to streamline the insurance reimbursement process which increases profitability.
