Long Term Care Insurance Information

Long Term Care Insurance is a type of insurance developed specifically to cover the costs of long-term care services. Most long-term care services are not covered by traditional health insurance plans, or Medicare. For Americans, the risk of needing long-term care continues to rise as people live longer due to advances in Medicine. Your age, marital status, gender, lifestyle and family history all affect your chances of needing long-term care.

With Long Term Care Insurance, you pay premiums in advance for care you will receive later, if needed. The cost of Long Term Care Insurance is based upon the type and amount of services you choose to have covered, how old you are when you buy the policy and any optional benefits you choose. There are many options available that enable you to choose the setting in which you receive care whether it be at home or in some type of facility or community setting.

Answers to Your Long Term Insurance Questions

Long Term Care Insurance Policies have either a benefit period or a lifetime maximum. This is the total amount of time or dollars to which benefits will be paid. The benefits begin when it is determined that you cannot perform two or more of the essential activities of daily living such as bathing, dressing, eating, toileting or transferring from a bed, chair or vehicle. Alzheimer's, Dementia, or organic brain diseases are also triggers for policy benefits to begin paying out.

The experts at Bottom Line Insurance Consultants can help you determine which Long Term Care Insurance Policy best meets your future needs and then help you purchase the plan for the best price. We carry competitive Long Term Health Insurance plans from the leading insurance companies. Since we are paid directly by the insurance companies, we offer this service at no additional cost to you.

We recommend you talk to one of our Long Term Care Insurance Information Experts before applying. If you are interested in Long Term Care Insurance, please give Bottom Line Insurance Consultants a call today. We look forward to working with you.

Long Term Care Insurance Information | Answers to Your Long Term Insurance Questions

Bottom Line recommends that you talk to one of our consultants before applying on any website including ours.   When comparing benefits from each carrier, the benefits aren't always as they appear.  You are making an important decision.  Call for complete policy information before applying. 

There is no added cost when applying through Bottom Line or for consulting with our insurance professionals.  Premiums are the same as buying direct from the insurers and you get ongoing customer service year after year at no added expense to you.