Guide to Long Term Care Introduction

Planning for what could be the most costly part of your life.

On This Website
On GuideToLongTermCare.com you will find information about long term care planning, long term care insurance, long term care resources, also Medicare and Medicaid as it relates to long term care.

You can navigate this website with the links on the left of each page. There is also a website map. Try our website google search to find something faster.

Long Term Care Planning
If you don't already have a plan for your long term care you risk relying on crisis management which could create both financial and emotional hardships.

You know you don't have to be 85 to need long term care. There is no warning when our health changes, it can happen to anyone at anytime. Of those receiving long term care today, 40% are under age 65!

Since half of all Americans will need long term care, the real question is, will you ever need long term care? The fact that it cannot be answered in advance is the reason to plan for it.

What will you get by planning today? The peace of mind that you and your family are protected. The Basic Guide shows health insurance and Medicare in relation to long term care.

Financial Planning
If you knew that you or your spouse would need long term care next month or next year which would you plan for:
1) rely on government aid (Medicaid welfare health care)
2) spend your life savings (self-insure)
3) transfer the risk using long term care insurance?

Maybe you live to an old age. The cost for long term care will be even more and how will you pay for it then? You have three choices today but tomorrow you may only have two.

If you think that by waiting to plan for long term care you are not choosing a plan, you just did.

Advice
We came across an article with information from the National Association of Insurance Commissioners, these are the government insurance regulators in each state. We thought it would be valuable for those of you who are still on the fence about long term care insurance. You can read it here.

It will never be any cheaper than today to insure. You lock in your age rate and your health when you do. We cannot say that long term care insurance is right for you. We do know that a lot of respected financial professionals like Suze Orman, Ray Martin, and Terry Savage recommend it if it's affordable. You determine if it's affordable and the insurance company determines if they'll insure you.

Long Term Care Insurance

We liken the initial approach to long term care insurance to going on a first date. You don't know if you like them, and they don't know if they like you.

You cannot buy the insurance until they first decide that they like you. Since it takes about a month to see if you health qualify you should apply for approval at least a month before your health changes. If they approve you then you can decide if you like them and want to do business with them. Read more about LTC insurance here. To get the ball rolling call us at 1-888-582-2464 and we'll walk you through the process.