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Long Term Care Insurance And Age

By Carolyn Jean

The assumption that long term care insurance is only for those over the age of 65 is one that can create significant financial hardship for your family. While it’s true that all individuals over the age of 50 should carry a policy, just because you’re in your 20s or 30s doesn’t mean that you shouldn’t cover the potential bases.

With an insurance policy, better decisions can be made regarding the care of a baby that was born with significant medical problems or if illness or devastating injury strikes you in the prime of your life. Long term medical care facilities are a potential solution for varying types of illnesses, injuries, and conditions for people of all ages.

If you do not have a plan or policy in place you might find that providing the financial obligations necessary to receive proper care is nearly impossible. Since illness and injury and the advancement of age doesn’t take your financial situation into consideration you could very well need long term medical assistance long before you’re prepared.

Health care costs are continuing to skyrocket. If the type of care you require is termed by the medical community to be “long term” you’ll find that the average cost of even routine care can be higher than short term care costs. Many facilities will only accept the uninsured if there are appropriate assets, such as a home that’s been paid for, to be signed over. In the event of your death, the estate becomes the property of the facility.

This financial agreement can significantly complicate life for a surviving significant other. Where would he or she live once the home is sold? What assets would he or she have in the event that the need for long term facilities are in their future?

Since it’s rather simple and cost effective to carry long term care policies it is considered to be prudent to carry a policy as early as possible. Insurance policies like these often make us uncomfortable because we don’t like to face the idea that we could lose our independence. Yet looking at the possibilities now can help you improve the quality of care, the selection of facilities, and the quality of life for your family should this day ever come.

Long term care insurance is not something that you should be putting off for another day. You’re not buying the policy solely so that there will be a nursing home there for you when you start to age significantly. It’s really for your financial and medical best interest should anything threaten your health for a significant period of time.

For more information on how long term care insurance when to buy can help prepare us as we age. Also you can get a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.

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Topics: Health Insurance | Comments Off


Article Citation
MLA Style Citation:
Jean, Carolyn "Long Term Care Insurance And Age." Long Term Care Insurance And Age. 3 Jul. 2010. 7 Dec 2014 <>.

APA Style Citation:
Jean, C (2010, July 3). Long Term Care Insurance And Age. Retrieved December 7, 2014, from

Chicago Style Citation:
Jean, Carolyn "Long Term Care Insurance And Age"

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