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Helping You Find the
Best Long Term Care Insurance Providers
 Believe
it or not, your first stop in your search for Long Term Care Insurance
should not be the scary brochure that arrived in the mail with horror
stories of how much you could lose if you ever need care.
The need to plan for extended care is urgent, but there is a lot
to consider before you take out the check book. The best plans begin
with you, your family and a qualified agent who can help you analyze
your current situation. Such an agent (who may or may not be actually
certified in Long Term Care) will begin by discussing your plans
and needs with you and, if possible, your family–at least
those who intend to participate in your care in the coming years.
The best LTCi provider will not come to you through the mail, nor
will they simply leave you with a generic quote via the internet.
That being said, the internet is still a great place to start as
you can enter minimal information and be placed in contact with
a company that works in your area. If you have a disqualifying health
condition, the fact that you are not qualified can be revealed to
you immediately, saving both you and an agent valuable time.
Once you decide that looking further is in your best interests,
you want to choose a company agent who will sit down with you in
a private setting and help you analyze your own situation.
First, if you are receiving any type of low income health coverage
such as Medicaid, you are not eligible for LTCi insurance, so most
agents will establish your current health coverage before getting
into any kind of plan.
Second, you need to talk about your health. You need to be in reasonably
good health (although not necessarily perfect), as cancer, heart
disease and other chronic conditions such as diabetes can also have
an impact on the amount of insurance you can purchase. Your physical
qualifications will have direct bearing on the rest of your planning.
Third, if you qualify physically, you need to think about your
preferences for LTC. If you were unable to care for yourself, would
you be able to receive care in your own home? This is not a matter
of desire so much as one of practicality. For example, if you have
a lot of stairs in your home, or if you live in an isolated location
or a long way from family, staying at home may simply not be practical.
Would you want to be in a family member's home, or would you prefer
the independence available in an assisted living facility. If you
need constant care, what nursing homes in the area have the best
reputations and the most effective programs for custodial or intermediate
care? There is a lot of information involved in serious planning;
a good agent will not try to collect it over the phone, nor will
he/she offer you policies without talking about your own plans.
Finally, having established that you may be eligible (company underwriters,
not the agent, make the final decision), it is time to decide how
you will fund your plan. LTCi, is the best and actually the least
expensive in the long run for most eligible people, but most companies
have several variations with several types of riders. Knowing your
family history and having an understanding of your own needs and
desires will enable an intelligent agent to tailor a plan that fits
you and your family.
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While
we do not endorse or recommend any particular company, the
following five companies, in no particular order, are all
well established, reputable companies with LTC products: ; ; ;
;
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Thus, the best long term
care insurance provider is one who will meet your needs for a price
you can pay both today and once you are living on your retirement.
Many of the best agents will meet with you and/or your family at
least twice before writing a policy if such is necessary in order
for your family to understand what you are doing. LTCi is complex,
and setting it up can be rather time consuming. However, it is time
well spent. Start here today and locate the plan that meets your
needs.
AccuCare Insurance Quote
Quotes From Highly Rated Insurance Companies
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