In these days of economic uncertainty it is essential that people have a sense of security and peace in terms of their future. Long term care insurance is a way to help preserve that.

What is Long Term Care?

Long Term Care can be defined simply as care provided by another party for the benefit of someone who is unable to care for themselves. The kind of help you need if you are unable to care for yourself because of aging, an illness, or a disability whether temporary or permanent.

It can range from help with daily activities at home, such as bathing and dressing, to skilled nursing care in a nursing home. Long Term care is provided by home care agencies, senior centers, adult day centers, traditional nursing homes, and family members.

Protecting Retirement Income
Even in these challenging economic times many people are looking to retire in the next few years and maintain their current lifestyle which makes this an opportune time to consider the value of long term care planning so you can feel safe and secure knowing you have some control in the future financially.

Most people plan on their retirement money to provide the income to maintain their lifestyle.
It takes a $2 million investment portfolio to provide $100,000 if it has a 5% rate of return. The average cost for nursing home is over $75,000, which leaves $25,000. How much will you (and spouse) need to cover both long term care and living expenses (lifestyle).

You have 5 options for financiing long term care.

• 1. Self-insure : pay out-of-pocket
• 2. Medicaid : requires poverty level assets/income.
• 3. Long term care insurance : high leverage, Medicaid protection in most states.
• 4. Universal life insurance with a long term care rider : money up front, return of premium.
• 5. Fixed annuity with a long term care rider : no underwriting, option for uninsurables.

Long term care planning can protect your income stream -- you might say that long term care planning provides the peace of mind that in the event that you need extended care your family's lifestyle could remain intact.

Pension Protection Act 1/1/2010

You owe it to yourself to feel positive about the future concerning any health issues in terms of financial security and the preservation of whatever resources your family may have.

What does Long Term Care Insurance Cover?

Long-Term Care Insurance is an insurance policy that will allow family members to care for loved ones longer and better through the policy’s benefits. Theses benefits are covered by the Long Term Care Insurance policy in four major areas:

• Daily Benefit
• Waiting Period
• Coverage Period
• Inflation Protection

At National LTC, our mission is to allow family members to care for loved ones longer and better through an easy choice of long term care planning choices. It's better to insure a year early than a day late!

We make it easy to get a quote online, but first see if this is affordable with our Quick Quote chart. When you complete your quote request, you’ll receive an insurance quote allowing you to choose the plan that’s right for you! There's no pressure and no obligation.

If you have been declined for long term care insurance or have health issues, read about the Annuity with LTC benefits – an option that does not require medical underwriting. If you have been declined we may be able to help with an annuity or in some cases a reversal of an underwriting decline.

How it Works:

• First, provide information necessary for us to provide you with a health pre-qualification and quote.
• Second, you will receive a quote; a phone/email contact will follow. You have the option of having an agent visit or doing everything conveniently by mail and phone.
• Third, review your quote and information on the top companies in the industry and have our specialists answer all of your questions.
• Fourth, you choose the company and plan you want, and we send you the application.
• Fifth, complete the application and return it.
• Finally, if the application is approved a policy is issued and sent to you.

At National LTC our goal is to provide our customers with the best options for long term care planning. In other words, peace of mind.

With a combined experience of over 25 years in long term care planning the experts at National LTC work with the largest and most financially secure insurance companies to make sure your future is protected. Your future is our future.

We do our best to make it easy to get a quick long term care insurance quote online, just click here. When you complete your quote request, you’ll receive an insurance quote allowing you to choose the plan that’s right for you! Remember you choose the company and plan benefits, and leave the rest to us. No hassle, no pressure, no fuss.

Call our Long Term Care (LTC) certified specialists at Toll Free: 1-888-582-2464 if you have any questions about long term care or long term care insurance.

The Cost of Long-Term Care Services

Cost depends on your area and what type of care you need. Here are the national average rates based on the 2007 Market survey of Nursing Home, Home Care, and Assisted Living Costs:

NURSING HOME COSTS

• Private daily room rate = $209
• Private yearly room rate = $76,285

HOME HEALTH CARE

• Hourly rate = $20

ASSISTED LIVING – BASE RATE

• Monthly rate = $3,008
• Yearly rate = $36,096

The average amount of time in care is 3-years. How are you going to pay?

The BEST investment is one that you do not have to think about.