It's important that you get certain factors straight while you buy long term care insurance. You can get it at a lower price and get inadequate coverage while someone who takes the right precautions buys his/hers at an inexpensive rate as well without reducing the value s/he gets. Here are seve

Choosing the right long-term care insurance may be the most important retirement planning you do. You hope as with all the other types of insurance you purchase you will never need to use it. The difference with long-term care insurance is that there is a much greater chance of using it than your ho

In the United States, including the Los Angeles area, there are many individuals who are growing in age. When many of us get older, our health begins to deteriorate.At some point in their life, there are many individuals who end up needing long term care.

How to find the best low cost term life insurance rates. Compare term policies and prices. What are some long term insurance options available?

Generally speaking, after the Deficit Reduction Act of 2005, if a community spouse uses a Medicaid Compliant Annuity, or promissory note, to eliminate the spend-down amount an institutionalized spouse is immediately eligible for Medicaid benefits. After the purchase, if the community spouse's i

Due to the increasing cases of people who need long term health care, long term care insurance products are now being sold all over the United States. There are companies that offer insurance products that may be subscribed to by patients beyond the pre-determined period of time.

Children are our future. Some insurance companies are not into this business just to make money; rather they have taken upon themselves the responsibility of contributing to the welfare of our children. Many a time, ...

You've done your research and have decided that long term care insurance is right for you. The next step is to become familiar with the basic structural components of a long term care insurance policy. This article discusses the four main building blocks of a long term care insurance policy: da

At senior age, it's very likely that we'll run into a situation when we'll need daily assistance in our living. According to the Underwriters LTC council in Canada, the likelihood of needed long term care reaches 50 percent after the age of 75. This article deals precisely with this i

The “baby boom” generation of the United States of America is gradually approaching retirement age. In fact, in recent years, the age bracket of between 45 and 54 years within the country has seen a ...

Need a quote for life insurance? Better get more than one. That is really the only way you can make sure you get the best coverage at the best rate. Everyone knows that comparison shopping ...

Outliving a 30-year term life insurance policy is a win-win situation. You win because reaching that milestone means that you have lived 30 years since you bought your policy. If you want to extend your policy or buy another type of coverage, you may have a number of options.

Before even looking into the rate for insurance, you want to check for the long term care rate, meaning the price that is actually going to be charged for a nursing home, assisted living facility, or in home service.

If you have a net worth of 2 million dollars (excluding your home), you can surely pay for long term care out of your pocket without dire consequences. You don't need long term care insurance. But if you're worth much less, you can easily become a financial ruin if you don't make plan

Money professionals notice that Medicare does not cowl long-term care which it is a dangerous idea to gift assets to qualify for Medicaid or MediCal (in California). The Deficit Reduction Act of 2005 tightened loopholes ...

Elderly people have no recourse but to seek the services of a nursing home once the time comes that they can no longer fend for themselves. This is the time when they don't have enough physical stamina to survive the regular demands of everyday life.

This is a common dilemma. People know how important life insurance is. They know they need adequate coverage to protect the financial future of their loved ones. They may even know that they potentially have ...

Will you be able to afford to stay in your home as long as you want? Will you be able to afford to live in that beautiful new assisted living facility in your community?Find out here.

Some people don't even realize that it may be possible for them to get life insurance without the need for a medical examination. Other people have heard that this type of policy exists but think ...

Few people realize that they are getting older by the second. Time passes and it goes too fast and yet people still realize nothing about it. Along with the neglect of time, there are many other valuable matters that we nonchalantly ignore. Number one is health and this has been affected by time thr