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Contributed by mm | October 5, 2006 5:59 AM PST
After reading many literature of long-term care insurance, I found this quick test to be quite effective in determining whether one should acquire long term care insurance coverage.
From Consumer Reports:
Consider a plan if:
By around age 55, you have a chronic medical condition that you and your doctor believe could eventually require nursing-home care or if you have a family history of a debilitating disease.
AND
Your assets are between $200,000 and $1.5 million, and you must protect them for a spouse or relatives.
AND
You have no willing or available family member to take care of you. Even with the support of community and professional home-care services, you’ll need a family caregiver. Because women live longer than men, they are more likely to need nursing-home care.
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Medicare Does Not Offer Long-Term Care Benefit (October 5, 2006)
Medicare supplement policies are sold by private insurance companies and are offered to fill some of the gaps in Medicare coverage. Hospital deductibles and excess physicians' charges are routinely covered, but these policies do not cover long-term care expenses. Standardized Medicare supplement policies, Plans D ...
Quick Test Of Long-Term Care Insurance Suitability (October 5, 2006)
After reading many literature of long-term care insurance, I found this quick test to be quite effective in determining whether one should acquire long term care insurance coverage.
Medicare Does Not Offer Long-Term Care Benefit (October 5, 2006)
Medicare supplement policies are sold by private insurance companies and are offered to fill some of the gaps in Medicare coverage. Hospital deductibles and excess physicians' charges are routinely covered, but these policies do not cover long-term care expenses. Standardized Medicare supplement policies, Plans D ...
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