Should I get a policy with higher daily benefits, higher life time maximum benifits, nursing home only or nursing home and other types of care? It is all so complicated and I just need some simple answers as how to get the most for my money.
Thanks.

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In other words....at what age is it most cost effective when considering that long term rates would be locked in. (considering a currently healthy person)

When would you buy it?
FYI....I'm 42.

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Parents won't cooperate with buying insurance, but push come to shove, if they need it, me and my brothers will be the ones taking care of them.

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Product Description
Disability insurance, long-term care insurance, and critical illness cover are becoming increasingly important in developed countries as the problems of demographic aging come to the fore. The private sector insurance industry is providing solutions to problems resulting from these pressures and other demands of better educated and more prosperous populations. Actuarial Models for Disability Insurance examines the actuarial structure of disability insurance, long-te... More >>

Actuarial Models for Disability Insurance

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My mother is 77, in good health. Lincoln financial offered her the following for $100k payment today: $175k life insurance policy and $250k of long term care insurance. That sounds like a good deal to me, is it?
I just wanted to say that I am very impressed with the high quality of the answers. Thank you all very much, difficult to choose a best one! It is very helpful to get such good information.

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Family member had cervical cancer in about 1997, was treated and had no recurrences. Someone who works on legal issues for elderly indicated that long-term care insurers will blackball anyone who ever had serious cancer, even though risk is not above average now. Is that true? Or will some deny her and others raise rates? This has nothing to do with health insurance, just long-term care insurance.

Thank you,
Houyhnhnm

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Many people have the hope of staying in their homes for a lifetime, especially as they grow old. It is usually possible, but there are certain periods in life when people may need a little more help - mainly when it comes to shopping for food, cooking, or even taking a bath - and these periods tend to fall between the eighties and nineties. Other people need help even more frequently and this could mean that it is the right time to move to a geriatric home where a group of professionals will be waiting to take full care of them, and this is the exact time where long term care insurance becomes really helpful.

Families can sometimes realize when a relative is not able to share the house anymore. It can be a husband or wife, a father or mother or a grandparent. The house might have even been refurbished in order to comply with theolder person's needs, and a nurse can be hired to help take care of them. Another action to be taken is to coordinate food and daily assistance. However, when these things have already been done, and they are still not enough, then it is time to ask for help.

The first question that pops up is where you can get the right help. Well, here are some answers to this and other questions that you may have when looking for a good place for you or your relative to move in this kind of situation. Sometimes the need of receiving help increases its size over time. An appropriate example could be a man who losses his wife at the age of seventy, and for the next years he will probably face problems dealing with cooking, and a good option for this can be going to eat at a center that cooks, especially for older people; but he can also have difficulties in driving and taking the stairs, and he would probably need to have an elevator in the building.

When this happens sons tend to manage the idea of taking their parents to live with them, but this is not always the right choice. Having long term care insurance can help you and your family deal with these eventual needs.

The benefits that must be taken into account regarding long term care insurance policies is that they offer the chance of living in a quiet place, where professionals can take care of the people 24 hours a day, and many people can also get this service provided in their own homes, which makes them feel safer.

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I am 54 yrs. old, looking into purchasing Long Term Care insurance. I would like the best coverage for the lowest possible premiums, but a policy that would cover any and all possible care needs, including Assisted Living, as I may need it as I age. Thank you.

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what are the rights of a persons whose application for long-term care insurance has been denied?

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I'm 73yrs old and am looking to get long term care insurance, I 'm still in good health but want to look into it now.

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I live in the Chicago suburbs and would like to get an idea of what the premiums are for long term care insurance.

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Until now, I really do not know if we really need a long term care insurance.
I am 49 yrs. old and have many health issues like diabetes,hypertension,sleep apnea,high cholesterol...etc. I long term care insurance needed?

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Product Description
A PRACTICAL GUIDE TO THE COMPLICATED ISSUE OF LONG-TERM CARE INSURANCE "Next to buying the right long-term care insurance, buying and reading J.K. Lasser’s Choosing the Right Long-Term Care Insurance is the best investment seniors and their families can make to help insure independence and dignity in their golden years."
–Scott Harshbarger, President and CEO, Common Cause "An indispensable book for all those concerned that the cost of health ... More >>

J.K. Lasser's Choosing the Right Long-Term Care Insurance

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I fear that the physical and financial burden of my parents/siblings care will fall on my shoulders. Can I take the necessary precautions and get some long term care insurance so that everything is taken care of, should something happen to any of them?

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Long Term Care insurance protects families from the costs of in-home care givers, assisted living facility costs, and nursing home costs that will often run from $50,000 to over $100,000 per year, and can wipe out most families. Around half of us will need this extended care.

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Last year I took out a life insurance policy on myself so that if something happens to me my mother would have a decent amount of money to live on and not have to worry. She can't work because of medical conditions and only receives SSI. Whenever she gets to the point that I can no longer care for her, the options won't be very good for where she can go and what kind of care she can receive. I was wondering if there is such a thing as a long-term care policy (kind of like life insurance) that I can purchase on her behalf.

Thanks!

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I own an in-home elderly care agency, however, due to the fact that the services are expensive, most clients can't pay out of pocket, so I need to begin billing their long term care insurance company.

I'm wondering, what is the process to begin working and getting paid from long term insurance companies?

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Personnel Changes: Symetra, Penn Mutual, LSV, LTCI, KePRO, Concert National Underwriter Life and Health Insurance News Penn Mutual Life Insurance Company, Horsham, Pa., has promoted Denise Flannery to senior vice president, strategic marketing, planning and communications, from vice president, strategic marketing, planning and communications. Flannery has a bachelor's ...

Read the full story:
Personnel Changes: Symetra, Penn Mutual, LSV, LTCI, KePRO, Concert - National Underwriter Life and Health Insurance News

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Insurance companies are rated A+, A, B, C, D and perhaps E. I need that kind of information regarding insurance carriers of long-term-care insurance.

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I am 44 and my husband is 47. My parents did not buy this until they were in their late 50s.

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