It’s really an issue for the elderly.
One of the more interesting recent studies looked at the age when an individual with Long-Term Care
Insurance first filed a claim.
One in 10 (9.5%) were between the ages of 60 and 69. A third (32.9%) were between the ages of 70
Three percent were younger than 60 and the rest were age 80 or older.
(Source: 2008 LTCi Sourcebook, American Association for Long-Term
Care Insurance. )
My health insurance covers long-term care.
Long-term care is generally not covered by an individual or group (employer) health plan. And, it’s
very different from long-term disability protection.
Long-term disability replaces your income but does not provide money for long-term care costs.
Plus, long-term disability insurance generally ends at age 65, just when you are more likely to
need long-term care.
Health insurance covers "skilled care" or "intermediate skilled care" such as medical care,
physical therapy or rehab which is provided by a licensed-healthcare practitioner such as a
physician or nurse.
Medicare covers long-term care.
Medicare covers a very, very limited amount of long-term care for just a limited number of days.
Because of the need to health-qualify for long-term care insurance, it is in your best
interest to explore Long-Term Care Insurance well before you reach Medicare-eligibility
(generally age 65).
We believe long-term care should be a part of a sound financial plan. Please take a few minutes to
visit our website and contact
us for a no-obligation quote.
Because of the need to health qualify for Long-Term Care Insurance protection, please be prepared
to share the following information:
- Your age, height and weight
- Whether you use tobacco products
- Medications that have been prescribed
- Any serious medical or health conditions
Because things can change tomorrow, it's smart to act today...changes in health happen every
We will help you design a plan that meets appropriate criteria to qualify for
Partnership Certification. Why not ask for a plan design today.
By downloading and completing a health questionnaire,
we will be able to prepare a tailored proposal for you
There are instructions at the end of the questionnaire indicating how to
return to us.