A Leading Problem Facing Baby Boomers

Long Term Care Insurance--LTCI-- is often referred to as Nursing Home Insurance. This is by far the leading problem facing the baby boomers. Living too long and becoming unhealthy and needing some kind of skilled care to take care of our aging population is a major concern among those in their 50's , 60's, and 70's. LTCI is payable as a daily or a monthly benefit. The benefit periods can be 2 through 6 years of coverage. The average stay in a nursing home in 3 1/2 years. The rising cost of nursing home care and in home care has caused many people to purchase LTCI policies so as to cover themselves in case of a prolonged need of specialized care. It is important to know that this insurance coverage can cover you at a facility or in your own home. There are many riders and additions that can be added to these policies so it is possible to construct a contract that is right for each individual.

"It is important to know that this insurance coverage can cover you at a facility or in your own home."

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Long Term Care
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