Long Term Care and Long Term Care Insurance

A person might need long term care (LTC) if he/she cannot perform activities of daily living such as eating, taking shower or getting dressed by him/herself anymore. Certain disease can also make long term care necessary.

Long term care is not the type of care offered by a hospital or a doctor's clinic. Long term care can be received at home, in a nursing home or at an assisted living facility. About 55% of American who are 85 or older needs long term care.12 million older Americans are expected to require long term care in the year 2020.

Long term care is very expensive. Both nursing home care and home health care costs a lot. Unfortunately, a person's health plan and disability insurance usually do not cover the cost of long term care. Also, in most cases Medicare can't cover long term care either.

Long term care insurance is restively new, but nowadays there are more than 100 companies offering long term care insurance coverage, which is available through groups and to individuals.

Long term care insurance policies usually cover care in state-licensed nursing homes as well as certain home care services provided by certified home health agencies. Limits and exclusions of long term care insurance differ from policy to policy. Make sure you have a good understanding of what are covered and what are not before buying a long term care insurance.

About the Author

John Lee is a freelance Internet writher who has written articles for many websites. His articles on long term care can be found at Long Term Care Helper (http://www.101longtermcare.com).

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/pemco-insurance-seattle-seahawks-team/story.aspx%3Fguid%3D%257B5727BB66-25A5-43C6-A231-284BF565CDFF%257D%26dist%3Dhpprcid=1256220443ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNH2r2PaNKqTb59z9XGjlRmYARCLTAPEMCO bInsurance/b and the Seattle Seahawks Team Up to Search for b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1SEATTLE, Oct 10, 2008 /PRNewswire via COMTEX/ -- PEMCO bInsurance/b is calling all Seahawks fans to compete for the title of the ultimate quot;Supercharged b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/10/business/10place.htmlcid=1255996111ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNG0eDtFUgPxsboEOKyDOgk0Myt-4QMarket Place bInsurance/b Industry Joins Banking Giants on the Hot Seat/abrfont size=-1font color=#6f6f6fNew York Times,nbsp;United Statesnbsp;-/font nobrOct 9, 2008/nobr/fontbrfont size=-1By MARY WILLIAMS WALSH Months after the stocks of big Wall Street financial firms first came under attack, binsurance/b companies are now being battered, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.straitstimes.com/Breaking%252BNews/Money/Story/STIStory_288533.htmlcid=1255996111ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNEotyEtkMfANXX_ACGJhMtnurYjfwInsurers: next to be hit?/a font size=-1 color=#6f6f6fnobrStraits Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.barrons.com/article/SB122350252742116839.html%3Fmod%3Dgooglenews_barronscid=1255996111ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNFd9HgZP1VMRpN0QEobyfVDZyON6QConsider Staking a Claim in Allstate/a font size=-1 color=#6f6f6fnobrBarron's/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.time.com/time/business/article/0,8599,1849023,00.htmlcid=1255996111ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNGjupVVR1Sw-xtFnZcmQrgirPXkmQShould You Worry About Your bInsurance/b Company? Short Answer: No/a font size=-1 color=#6f6f6fnobrTIME/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chicagotribune.com/business/chicago-insurers-allstate-cna-oct08,0,5487014.storycid=1255996111ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNFrYL8EJCcDW3APxzsAHeYALi60fwnobrChicago Tribune/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.easybourse.com/bourse-actualite/american-internation/insurers-could-face-big-cash-calls-on-sideline-business-US0268741073-538399cid=1255996111ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNGcMWlaBOPsEP_9ZFH39OeSZTMj9AnobrEasyBourse.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255996111hl=ennobrall 49 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wwj.com/Michigan-Bank-Shutdown/3117833cid=1256248304ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNHtBgLKHjM-m5hBuDhvftKMF4yFPAimg src=http://news.google.com/news?imgefp=yqdDfITJELQJimgurl=imgsrv.wwj.com/image/DbGraphic/200810/1084888.jpg width=80 height=65 alt= border=1brfont size=-2WWJ/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaqNGxkgoO5Hc%26refer%3Dhomecid=1256248304ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNH3d69pHxLS7njXedZa9LUO-5I9pQIllinois, Michigan Banks Shut by Regulators; Toll Climbs to 15/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1The FDIC said Main Street, based 25 miles west of Detroit, will cost the deposit binsurance/b fund $33 million to $39 million and closing Meridian will cost b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chicagotribune.com/business/chi-sat-meridian-bank-oct11,0,4556722.storycid=1256248304ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNHK9rInqnN-s9_p98ot0WZzNXlk1AMeridian Bank is closed by regulators/a font size=-1 color=#6f6f6fnobrChicago Tribune/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE49995320081011cid=1256248304ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNFF2FGSFKZ1pZrWKWZLdVergBoEZgTwo small banks fail; brings 2008 tally to 15/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/two-banks-fold-bringing-total/story.aspx%3Fguid%3D%257BAF8863CB-2A8C-4454-8CCA-8C1D3A0A798B%257D%26dist%3Dhplatestcid=1256248304ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNEHj_GggdaRn86IO812cJpSE5as_ATwo banks fold, bringing total to 15 failures this year/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.monroenews.com/apps/pbcs.dll/article%3FAID%3D/20081010/BREAKINGNEWS/110109896cid=1256248304ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNHRyqjtPpv3rVIzBXHWgc_kt6YrlgnobrMonroenews.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chicagotribune.com/business/chi-bank-failure-meridian-oct10,0,4063595.storycid=1256248304ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNFyUfDhawIaRF544lWfzIe0JJC-3QnobrChicago Tribune/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256248304hl=ennobrall 68 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/cooperators-insurance-agent-donates-fire/story.aspx%3Fguid%3D%257BF4E53341-414A-43A2-B9EB-5015084F0FF0%257D%26dist%3Dhpprcid=1256252807ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNG-1bJu7lhJQjwK_JkwMlKHNrRPPgCooperators#39; bInsurance/b Agent Donates Fire Suppression Technology b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1WESTLOCK, ALBERTA, Oct 10, 2008 (MARKET WIRE via COMTEX) -- Any binsurance/b agent knows how quickly even a small fire can spread and devastate an entire home. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wnct.com/nct/news/local/article/health_insurance_numbers_released_by_census_bureau/20855/cid=1255640047ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNH5RRWsPtU18v4CCYRnoSQyqICZXQimg src=http://news.google.com/news?imgefp=RSRBHZl8qaYJimgurl=media.wnct.com/wnct/img-story/images/uploads/News-Nightside.jpg width=80 height=60 alt= border=1brfont size=-2WNCT/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hometownannapolis.com/cgi-bin/read/2008/10_10-18/GOVcid=1255640047ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNGIL7D-ehvvumZTDP5HY4Unmk1RYA50000 in county had no health binsurance/b/abrfont size=-1font color=#6f6f6fAnnapolis Capital,nbsp;MDnbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-1By SHANTEE WOODARDS, Staff Writer Nearly 50000 people under the age of 65 living in Anne Arundel County in 2005 did not have health binsurance/b, giving it one b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.allheadlinenews.com/articles/7012608207cid=1255640047ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNF4wJLALN90CcVjgyNqO_Wk_ICuJwAlmost One-Quarter Of Florida Residents Under Age 65 Lack Health b.../b/a font size=-1 color=#6f6f6fnobrAHN/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.lelandtribune.com/business.asp%3Fdismode%3Darticle%26artid%3D1677cid=1255640047ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNFOr-PdDAROlzMIG4lY1UlqtkOc_QThe health binsurance/b ties that bind/a font size=-1 color=#6f6f6fnobrLeland Tribune/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.efluxmedia.com/news_Census_1_in_6_People_Living_in_the_US_Lacked_Health_Insurance_in_2005_26273.htmlcid=1255640047ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNFQst030spagrcz9KW0IBy62-eCWwCensus: 1 in 6 People Living in the US Lacked Health bInsurance/b in 2005/a font size=-1 color=#6f6f6fnobreFluxMedia/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chattershmatter.com/2008/10/10/texas-home-to-most-people-living-without-health-insurance/cid=1255640047ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNGet7wY9qqoW_CFIOwZWUTjEc4oIQnobrChatter Shmatter/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.azcentral.com/arizonarepublic/local/articles/2008/10/10/20081010uninsured1010.htmlcid=1255640047ei=1z7wSJHSEKTe6APppLW2Agusg=AFQjCNF9NaCQkS2VuRu069_WIuQRFBueWAnobrArizona Republic/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255640047hl=ennobrall 69 news articles/nobr/a/font/div/font/td/tr/table
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