Personal Insurance

Long-term care insurance is insurance that covers individuals for medical, nursing care, assisted living facilities and/or nursing home fees when they become unable to take care of themselves.

Term life insurance and long-term care insurance are two different types of insurance. Term life insurance pays when the insured dies. Long-term care insurance pays as the insured recovers.

In 2008, the average cost of a room in a skilled nursing facility in the United States was $212 per day or $77,380 per year, according to the MetLife Mature Market Institute. Long-term care...

It is important to pick a financially sound long term care insurance company when shopping for this important protection

Long-term care insurance, sometimes referred to as nursing home insurance, is a confusing product for most people. The misnomer, nursing home insurance, came from the original product that only...

What would happen if you found yourself in a situation where you were unable to care for yourself on a daily basis? How would you pay for the help needed to perform ordinary daily functions? While...

Long term care insurance is an insurance policy designed to pay for the cost of nursing or home care. Many people fear they will need to enter a nursing home as they age, either as a result of...

Long-term care insurance prompts a few questions, especially for persons 50 and older. Is LTC coverage necessary? How does it work? Is it affordable? Are there other options? Because LTC insurance...

As medical technology improves, people live longer. During later years, the chances that professional care will become necessary increase significantly. With the number of people requiring care...

You may have a comprehensive health insurance plan, or be covered by Medicare for doctor visits or hospitalization, but what would happen if you needed assistance to perform everyday functions?...

Long-term care insurance provides protection for people who want to preserve their assets in the event they are no longer able to care for themselves later in life. As people continue to live...

Health insurance is a huge problem in the United States because health care costs have gone up 6 percent in the past year, and more than 45 million Americans are uninsured. Find out how important...

No one likes the thought of going to a nursing home or assisted care facility but it happens everyday. You can calculate your long-term care insurance so that it's not too much, but enough to take...

Long-term health care insurance is used to cover the cost of long-term care facilities, which can cost between $50 and $400 a day. Protect against the financial burden of long-term care costs by...

Long-term care insurance is a frequently misunderstood insurance product. Usually thought of as being little more than a nursing home provision for senior citizens, it generally does not often...

At todays cost you will spend over $200,000 for long term care, and if we consider that the cost of care will double in 14.5 years it will be somewhere between the cost today and if you need care...

Some people are either deciding to hold off buying long term care insurance or they have decided to not buy and to self-insure, which is for you?