Category Archives: Long Term Care Insurance

Long Term Home Care

Seniors who choose to remain living at home often times are still in need of medical assistance. Long term home care is available to those individuals who choose to remain in their homes. Long term home care usually extends itself to long term home health care because of the fact that it is provided over a longer period of time, resulting in weakening immune systems and loss of mobility. Long term home care is available to seniors who choose to remain at home and receive the assistance they require from a home care giver.

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Long Term Care Facility

It may be time for your senior loved one to move into a senior care facility. You will need to talk to your loved one about a long term care facility, and this conversation will need to be warm and honest. You will need to tell your senior loved one the reasons of placing them into a senior care facility, and why it is beneficial for the senior to choose a long term care facility.

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Long Term Care Insurance and Senior Citizens

The intent of long-term care insurance is to reduce the costs if someone needs long-term care from a paid provider. Long term care insurance can help with the costs of care facilities. This may include a nursing facility, home care, assisted living, but the insurance will not cover the full cost of the care. Many people invest and pay premiums for long-term care insurance for years before they need long- term care, and often times they may never need to use the insurance. Qualifying for long-term care insurance when you have health problems can become difficult in your later years. A policy with poor terms can turn out to be a wasted investment, but many people get it for peace-of-mind. People may buy long-term care insurance because of the rates of senior care that their loved ones may not be able to pay for when the times comes. Medicare rarely covers long-term care costs and expenses, so the insurance would be a beneficial investment in that instance.

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A Primer on Long-Term Care

When people consider the subject of long term care, they often think about nursing homes. In fact long term care has little to do with nursing homes. Understanding the difference can help you protect your family and your finances.

The Consequences of Living Longer

Long-term care is a continuum of care services and housing you will need when you live a long life. Do you think you won’t live a long life? Think back 25 years ago. If you had a stroke, cancer or heart attack, you simply died. Few ever heard of Alzheimer’s. Today it is the leading cause for long-term care services. The longer you live, the more likely you are to need care. The question is not who will take care of you, because your family will most often, but rather what will providing that care do to your family and finances.

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