Category: Long-Term Care Insurance

Increasingly, people who want to help ensure that they can pay for nursing home or assisted living care but don’t feel that they can afford a long-term care insurance policy are turning to hybrid or combination policies. These insurance policies combine long-term care coverage with either a fixed annuity or a life insurance policy. In […]

Most people working with an insurance company to secure long-term disability benefits are unfamiliar with the process and what is necessary to be successful. The lack of understanding concerning these issues could lead you to agree to unnecessary things such as field visits. While you may think that consenting to visit of this nature will […]

Buying long term care insurance is a big decision, and not just because it will set you back a premium payment every month. It is also a big deal because it is something you may need to rely on in the future. Before purchasing a long term care insurance policy, here are some of the […]

Nobody wants to think about what will happen to them as they age. This can include anything from needing specialized care to passing on. As difficult as it may be to handle these types of conversations, it is something responsible adults must do. It is good to know that there are many steps you can […]

Hawaii is more than a popular vacation destination for Americans and people around the world. It has a unique culture where caring for older adults, whose population there and throughout our country is growing, is a priority. Therefore, it shouldn’t be a surprise that Hawaii’s legislators are going to be considering the first public long-term […]

Nearly 10 million adults aged 65+ receive care at home or in residential care settings other than nursing homes. However, less than eight percent of Americans have long-term care insurance. The reasons for skipping long-term care coverage are numerous. Increased premiums, cancelled policies and confusion about coverage options have made Americans wary. Yet the 65+ […]

There could come a time in the future when you need to pay for nursing home care. Nobody wants this to happen to them, but it’s a definite possibility. For this reason, you need to plan for the worst. This means knowing how you will pay for nursing home care. First things first, you always […]

No one relishes the idea of taking time out from their holiday festivities to talk to their parents or siblings about what will happen when they die or become unable to care for themselves. However, this is often the only time when everyone is together to have these conversations in person. These conversations should be […]

At some point, you may find that you need some type of care that your family cannot provide. If this happens, it is nice to have a long-term care insurance policy that can pay for some or all of the expenses. It is easy to put off this purchase indefinitely. This is particularly true if […]

It’s important to have insurance to help you if you become disabled or ill to the point where you cannot take care of yourself and/or work for a long period. Many people assume that this possibility is a long way off. However, it can happen at any age to anyone, regardless of how healthy they […]