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1. As the majority of us approach middle age, we find that
our parents are in short order approaching senior years.
Some need our help, others don't. For adult children who
do find themselves in a position where they must provide
some sort of emotional, physical and/or financial support
for one or both parents, it is probably way past the point
where their parents would be able to even carefully
consider purchasing what is called Long Term Care
products. For those who like to be proactive, however, you
might be wondering exactly what is long term care
insurance, and how do we get it?

2. In short, it's probably one of the best investments you
can make at any age. Of course, the younger you are when
you buy it, the lower your premiums. But what 30 year old
seriously considers his old age and associated health
problems while he's young and healthy? Not many!

3. As we put off buying the insurance, the premiums increase
and finally, for too many of us, we learn the hard way that
we will be needing some type of long term care and we
either find that we have huge deductibles because we'll
need to use our regular health insurance, or worse, we
find out we have to pay for everything out of pocket.

4. This type of insurance, in actuality, is one of the most
reasonably priced types of coverage when it comes to
costs vs. Benefits. A policy purchased in your forties, for
example, with standard coverage such as nursing homes
and rehab (or hospice), will probably be less expensive
than your car insurance!

5. Policies differ, as with all sorts of insurance, and you can
pick and choose options according to what you can afford
or according to what you believe you might need. For
instance, if Alzheimer's runs in your family, you may want
to get a plan that supports the in depth level of specialized
care these patients need. If everyone in your family lives
till 105 and drops dead on the golf course, you may decide
to purchase a lesser type of coverage.

6. Depending on the insurance company will depend of
course on your policy now, and what type of add ons and
options you are able to buy at later dates. For instance, if
your 62 year old husband is in a head on collision and you
find that he will need extensive long term care, you may
or may not be able to increase your policy to suit the
current situation.

7. Majority of these policies can provide an incredible
amount of financial help when the time comes. With long
term facilities averaging over $500 a day, not many regular
insurance plans will cover these for more than a few
weeks - no matter what.

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