| You may feel that this is not something that you | | | | to a patient's home every day for the rest of his |
| need, and maybe because of your age, you see it | | | | or her life. |
| as frivolous. The sad part is that many people | | | | Many insurance companies have begun offering |
| feel that way, and they don't look to the future | | | | long-term care insurance, so more than likely the |
| or think anything bad is going to happen to them. | | | | company you have used for your car, life |
| Sadly, these are the ones who find themselves | | | | insurance, and home owner's insurance offers it |
| needing long-term care that goes beyond what | | | | as well. It is often advisable to purchase additional |
| their insurance company is willing to pay. For | | | | insurance from the same company since they |
| them, long-term care insurance would have made | | | | tend to offer discounted rates to long-term |
| things much easier. | | | | customers. That doesn't mean that you shouldn't |
| The problem with thinking we are "too young" to | | | | obtain several rate quotes, but the first one to |
| be thinking about long term care insurance is that | | | | consider is your existing company. In addition, |
| it doesn't always happen to the old - it can | | | | many companies now have instant rate quotes |
| happen to anyone. In 2003, the former lead singer | | | | over the Internet, though their actual premium |
| of a musical band who was close to 60 at that | | | | may differ slightly for any number of reasons. |
| time and in quite good health took a fall across a | | | | There is never a good time to think about |
| fence at his home, breaking several vertebrae in | | | | long-term care insurance because we don't want |
| his neck. He is still in the rehabilitation hospital, and | | | | to admit that we may need it. However, the best |
| it is uncertain when he will be able to return to his | | | | time is today before there something happens |
| home. When that happens, full-time nursing care | | | | that we do need it. Unfortunately, in our changing |
| will still be needed as he is paralyzed from the | | | | world, unusual things happen every day, and you |
| diaphragm down. A man in good health who just | | | | don't want to find yourself needing long term care |
| happened to have a freak accident! It can happen | | | | for yourself or family member and not have any |
| to anyone at any age, and you have to be | | | | idea how you re going to pay for it. Get at least |
| prepared for that. Having long term care insurance | | | | five quotes, one from your current insurance |
| is certainly much better than having to worry | | | | company, and make your decision before you |
| about how to pay the nursing home or how to | | | | need it. |
| pay the nurses that are going to have to come | | | | |