Long term care insurance is an insurance product sold in the United States and United Kingdom that helps provide for the cost of long-term care beyond a predetermined period. Long term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Age is not a determining factor in needing long-term care. About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. About 40% of those receiving long-term care today are between 18 and 64.

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer’s facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day (up to the policy benefit maximum).

A Long-term care insurance policy is sold by private insurance companies and usually covers medical care and non-medical care to help individuals with their personal care needs, such as bathing, dressing, using the bathroom, and eating. While a private long-term care insurance policy is not new, they have received added attention because of growing concern about future health care needs, as well as recent laws that impact the tax status of the benefits offered under these plans.
All you have to do is fill out one form, and then allow us to find the appropriate long-term care insurance company that best meets your needs. You will receive a free, no obligation long-term care insurance policy and can decide at that time whether or not to take the offer. Online long-term care insurance rates provides a place to shop dozens of long-term care insurance policies in the privacy of your own home without worry or hassles.