Why Buy LTC Insurance

Long Term Care Insurance

Long term care insurance is one other way you may pay for long term care. This type of insurance will pay or reimburse you for some or all of your long term care. It was introduced in the 1980’s as nursing home insurance but has changed over time to cover much more than just nursing home care.

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Is Long Term Care Insurance Right for You?

You SHOULD consider buying LTC Insurance if:

You want to protect some of your assets and income
You can pay premiums, including possible premium increases, without financial difficulty
You want to stay independent of the support of others
You have significant assets and income
You want to have the flexibility of choosing care in the setting you prefer or will be most comfortable in.

You SHOULD NOT consider buying LTC Insurance if:

You cannot afford the premiums
You have limited assets
Your only source of income is a Social Security benefit or Supplemental Security Income (SSI)
You often have trouble paying for utilities, food, medicine, or other important needs