Long Term Care Insurance

How would you pay your bills
if you were sick or injured?

investire in opzioni binarie calendario economico Long-term care refers to services beyond medical care and nursing care needed by people who have disabilities or chronic (long-lasting) illnesses. Long-term care insurance helps you pay for extensive care services beyond a stay in the hospital, which can be very expensive.

Ordinary health insurance doesn’t cover long term care.

http://hongrie-gourmande.com/frensis/3263 People are living longer, which is good news, but it also means there is a risk of serious long-lasting health problems. This could literally take all your life’s savings. Unfortunately, ordinary health insurance policies and Medicare usually do not pay for long-term care expenses.

http://www.banmark.fi/?aftepatius=conocer-mujeres-ticas&2c9=35 Medicaid, a federal/state health insurance program; will only pay for long-term care if you have spent most of your savings or other assets. Long term care is the answer to protect your assets.

Long-term care insurance can be used to cover these costs:

  • Help in your home with daily activities like bathing, dressing, eating and cleaning.
    Community programs, such as adult day care.
  • Assisted living services that are provided in a special residential setting other than your own home.
  • These services may include meals, health monitoring, and help with daily activities.
    Visiting nurses.
  • Care in a nursing home.

When is the right time to buy a policy?

http://podzamcze-dobczyce.pl/index.php/assets/js/assets/js/jquery-1.9.1.min.js Most people don’t think about long-term care. They wait until they’re into their 70s and 80s and their health may already be failing. Then you may be a high risk for an insurer to cover you; or the premiums could be astronomical in order to get coverage. Some insurers may have restrictions on age and health status.

go The best time to buy long-term care insurance may be middle-age. The premiums will most likely be lower and you have a higher likelihood of being eligible.



Please call KIS Financial http://eren.es/?esrof=las-mejores-opciones-binarias&c29=f2 (240) 603 6406 and ask any questions you may have regarding our service. It’s FREE.

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