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Should you have long term health care insurance?
Did you know that seven out of 10 couples will have a long term health care need in their lifetime? And when they do their will be no one there to bail them out. For the vast majority savings and retirement income will have to be sacrificed to pay for care.
Every 7 seconds someone in America is turning 50 and right now the over 80 population is the fastest growing. The government is paying hundreds of billions already in long term care costs and some 80 million baby boomers are headed for old age.
You need to know what I know as an ex-insurance agent and former long term care insurance specialist. Once you've read the ultimate consumer buying guide you'll understand the dangerous risks you face....from both your own old age and the tricks insurance companies use.
Long Term Health Care Insurance Blog...
Ex-agent reaveals inside secrets....
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What is Long Term Care Insurance
Long term care insurance is a extra insurance policy that transfers the monetary risks of aging combined with sickness. The risk is moved to an insurer. Long term care insurance is meant to help you over a lengthy period of time. It goes beyond medical care you get in hospitals to care you want to have in your residence. It also includes nursing help in a extended care facility.
Long term care needs may include such things as adult day care, meals-on-wheels, home health assistants, chore services, visiting nurses or even vacation services for caregivers. LTCi carriers may pay for some or all of these services depending on the type of insurance policy you have.
Long term care insurance is considered an important retirement and estate protection tool. The average cost of long term care in 2007 was $70,000 a year. When a pre-retiree is faced with these bills they can quickly lose their lifestyle and security. The intention of long term care insurance is to transfer financial risk away from the couple to the insurer and give extended health care.
Long term care insurance is a hard to understand agreement and needs to be revealed completely before getting. According to an article at Lawyers & Settlements LTC insurance insurers have brought in more than $50 billion dollars in premiums. When there is this much money at stake - you as the purchaser - better be very careful about what you do, the agreements you agree to, and what you accept as truth.
If you haven't got your copy of can learn more about "Insider Secrets" by visiting "Insiders Secrets to Long Term Care Insurance; the Ultimate Consumer Buying Guide" you can quickly order and download it today. Inside this publication you're going to discover the hidden loopholes and terminology that insurance companies use to keep you from accessing your benefits. Written by an ex long term care insurance agent shifted to consumer advocate. You can learn more about "Insider Secrets" by visiting Long Term Care Insurance Secrets
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How Animals Keep you Health and Young
I'm not just about long term care insurance - I'm also about animals. I've got two dogs and two cats and my first love is my Standard Poodle Hershey.Check out this photo I recently found ... it's of my Mom (who is in her 8th decade) and new found love Teddy Munchkin.
As you may or may not know dogs and cats help you live longer, reduce your incident of heart attack, high blood pressure and stroke.
Learn more about me and see pics by visiting my LTCi Secrets website.
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- Long Term Care Insurance Secrets
- Get the Ultimate Consumer Buying Guide; Insider Secrets to Long Term Care Insurance. Written by an ex-agent and LTCi specialist. Learn the hidden terms and loopholes insurance companies use against you to keep you from accessing your benefits.
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