• Will my children be able

    to afford the care I need?


Understanding the Cost of Long Term Care Insurance by Age

Long Term Care Insurance rates are based on your age, gender, health, and marital status. With each year that goes by, the cost of obtaining coverage gets higher. That’s why it’s important to consider your options and apply for coverage before your next birthday.

In recent years, carriers can now price coverage based on gender. Women are statistically more likely to use their coverage and for longer periods of time. This makes coverage for women more expensive than men.

Continue reading

4 Tips for Filing a Long Term Care Insurance Claim

Long Term Care Insurance (LTCI) is a benefit many policyholders may not use for 20-30 years. After buying a policy and tucking it away in a safe place, it may be difficult to remember how the claims process works when you need to use it.

When a policyholder is identified by a physician as being unable to do two out of six activities of daily living (eating, bathing, dressing, transferring, toileting, continence), or is diagnosed with a cognitive impairment, they are generally eligible for LTCI benefits.

If you’re helping a parent or loved one file an LTCI claim, the claims process may be new to you. Use these four tips to help make the claims filing process a little easier.

Continue reading

Our Top 3 Picks for Long Term Care Insurance Companies

Just like you shop around for the best auto insurance coverage, you should also shop around for Long Term Care insurance (LTCI). Here, we’re helping you by recommending our top three picks for Long Term Care Insurance companies.

Our review comes from decades of experience working in the LTCI market. We’ve watched carriers come and go, release policy series rate increases, innovate with new products, and most importantly, pay claims.

Learn more about these top three LTCI carriers (in alphabetical order) and why they’re leading the market today.

Continue reading

Do You Qualify for Long Term Care Insurance?

Long Term Care Insurance (LTCI) underwriting differs from most other insurances you buy. Auto and Homeowners insurance rarely ask personal questions about your health while Life insurance gets more personal with physicals and urine, blood, and saliva tests.

Many people think since they passed Life insurance underwriting they’ll qualify for Long Term Care Insurance. Unfortunately, that’s not always the case. With Life insurance, insurance carriers are underwriting for your mortality. With Long Term Care insurance, they underwrite for your morbidity.

Continue reading

Get to Know the Easy Long Term Care Insurance Buying Process Online

Buying insurance shouldn’t be difficult. Now you can shop for Long Term Care insurance (LTCI) online from the comfort of your own home!

Save time and energy by shopping online for insurance whenever and wherever you want. You can even schedule a planning appointment with an LTC specialist at a time that’s convenient for you and your spouse.

Get to know these perks and more when you buy LTCI online.

Continue reading