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Long term care insurance (LTCI) premium rates are based on the age of people at the time they actually apply for their policies.  The younger they buy their policies the smaller their premium will be.  Given this fact, it is important to request long term care quotes before the retirement age as this will guarantee […]

There are two reasons why you and the rest of uninsured individuals in the country are encouraged to buy a long term care insurance (LTCI) policy before you reach the retirement age.  Perhaps you already know the first reason which is to gain access to quality long term care (LTC) services.  The second is to […]

Relocating will not resolve your problem on long term care even though some people think that it will.  Whether you travel north, south, east, or west you are bound to experience the high cost of care as long term care costs by state vary according to very basic factors.     U.S. states with bigger […]

Even today’s 10-year-olds will require long term care (LTC) someday but that is a long way down the road so there is no point discussing it yet.  Right now the focus is on baby boomers as majority of them are bound to require a certain level of care beginning 2030.     Demographers say the […]

Technically, long term care insurance is optional and thus people can choose to buy it or not.  But if you will seriously assess this insurance product, taking into account the cost of long term care (LTC) you will understand why it should be treated as indispensable.     Under the new health care law every […]