What Does Long Term Care Insurance Protect?

Long term care insurance fills an important gap in the coverage of many individuals. Health insurance covers many medical expenses. Life insurance provides benefits to your loved ones in the event of your passing. Elderly car insurance covers the most that is possible because of the increased risk. But how do you cover expenses for your care if you become unable to care for yourself? That’s where long term care insurance comes in.

What Is Long Term Care?

Long term care insurance is often associated with elderly care insurance, and the elderly are certainly people who can benefit from having long term care insurance. But younger individuals may also find themselves in need of long term care at some point in their lives. Injuries and debilitating illnesses can leave anyone in need of long term assistance in their daily lives.

Nursing homes are one kind of long term care available. But long term care can also include:

  • assisted living facilities
  • adult daycare centers
  • health aides and nurses visiting your home
  • meal delivery to your home
  • household chore assistance
  • physical therapy

Long term care may be needed as long as the individual is living. It may also be needed for shorter periods of time, such as during recovery and rehabilitation following a major injury.

How Much Does Long Term Care Cost?

Long term care costs will depend on the amount of help you need as well as the length of time the services are needed. Home health care services generally cost less than nursing home stays, but cutting costs by choosing the less expensive option isn’t always a good idea. If your condition requires care in a nursing home, occasional visits from aides won’t be enough to provide for your needs. Family members can often help with home care, but they can become overwhelmed if heavy care is needed.

According to a United States government pamphlet published in 2004, estimated costs are as follows:

  • One year in a nursing home: $50,000 or more
  • Assisted living facilities: about $2000 a month, or $24,000 a year
  • Health care aides visiting your home 6 to 9 hours a week: $1000 or more a month, or $12,000 a year

Any of these costs can easily be higher if more care is needed.

The same government pamphlet mentioned above suggests that a policy that would pay out $150 a day for four years, with a 90-day deductible, would cost a 50-year-old an average of $564 per year. The annual price for a policy increases with your age when you first buy the policy. Those who purchase long term care insurance policies earlier in their lives will generally pay lower premiums throughout their lives.
You can also buy policies with inflation protection. The annual premiums for these are higher, but the payouts are adjusted for inflation. As an example, the same policy described previously would cost $1134 annually with inflation protection.

How Do Long Term Care Insurance Premiums Compare to Nursing Home Stays?

Using the information from the government pamphlet, the payout from long term care insurance would cover about four years in a nursing home. The expense of paying premiums for 30 years is less than one year’s nursing home stay. Actual numbers will vary with the policy, nursing home, and the age at which you purchase the policy.

What Is Not Protected by Long Term Care Insurance?

Exactly what conditions are covered or excluded will vary with each policy. In general, the following conditions are excluded from long term care coverage:

  • Care needed as a result of alcoholism or drug abuse
  • Care needed as a result of an intentional self-inflicted injury
  • Care needed due to some mental disorders

What Should You Consider When Choosing a Long Term Care Policy?

  • Understand the terms and conditions of any policy before purchasing.
  • Consider the premiums as compared to the expected benefits.
  • Learn which illnesses and situations are excluded from coverage under the policy. If something is excluded that you feel could be important, such as a disease that runs in your family, you might look at other policies.
  • Make sure that the conditions for payout are reasonable and aren’t limited to narrow circumstances.
  • Ensure that the payout amount will be adequate for your anticipated needs.
  • Consider the duration of coverage in terms of time and maximum payout. Benefits may expire sooner than you realize.

Is Long Term Care Insurance Right for You?

Not everyone will need long term care insurance in their lifetime but what questions should you ask yourself when buying long term care insurance? But whether you ultimately need it is not something you can plan. Many people prefer to have a long term care insurance policy in place so that it’s there if it is needed. If you do need long term care, you and your loved ones will be glad that resource is available to cover costs. For some families it can mean all the difference in the world to them financially.

1,242 thoughts on “What Does Long Term Care Insurance Protect?”

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  83. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  84. Have you ever considered about including a little bit more than just your articles? I mean, what you say is important and everything. However think about if you added some great visuals or videos to give your posts more, “pop”! Your content is excellent but with pics and video clips, this site could definitely be one of the most beneficial in its niche. Wonderful blog!

  85. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videos to your blog when you could be giving us something informative to read?

  86. I do not know if it’s just me or if perhaps everyone else encountering issues with your site. It appears like some of the written text in your posts are running off the screen. Can someone else please comment and let me know if this is happening to them too? This may be a problem with my browser because I’ve had this happen before. Cheers

  87. Hey this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding experience so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

  88. With havin so much content and articles do you ever run into any issues of plagorism or copyright infringement? My blog has a lot of exclusive content I’ve either authored myself or outsourced but it seems a lot of it is popping it up all over the web without my permission. Do you know any solutions to help stop content from being stolen? I’d definitely appreciate it.

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  91. Today, while I was at work, my cousin stole my iphone and tested to see if it can survive a 30 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!

  92. Hi! I know this is kinda off topic but I was wondering which blog platform are you using for this website? I’m getting sick and tired of WordPress because I’ve had problems with hackers and I’m looking at options for another platform. I would be fantastic if you could point me in the direction of a good platform.

  93. First of all I want to say superb blog! I had a quick question that I’d like to ask if you do not mind. I was curious to find out how you center yourself and clear your mind prior to writing. I’ve had difficulty clearing my mind in getting my thoughts out. I do enjoy writing however it just seems like the first 10 to 15 minutes are lost simply just trying to figure out how to begin. Any recommendations or hints? Cheers!

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  124. Hello this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

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  135. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

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  139. I know this if off topic but I’m looking into starting my own blog and was curious what all is needed to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100% positive. Any suggestions or advice would be greatly appreciated. Cheers

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  149. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

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  170. Yesterday, while I was at work, my cousin stole my iPad and tested to see if it can survive a 30 foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!

  171. Howdy this is kind of of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

  172. With havin so much content do you ever run into any issues of plagorism or copyright infringement? My blog has a lot of exclusive content I’ve either authored myself or outsourced but it seems a lot of it is popping it up all over the internet without my agreement. Do you know any methods to help prevent content from being stolen? I’d genuinely appreciate it.

  173. I’m not sure why but this website is loading very slow for me. Is anyone else having this issue or is it a issue on my end? I’ll check back later on and see if the problem still exists.

  174. Hey, I think your website might be having browser compatibility issues. When I look at your website in Chrome, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, wonderful blog!

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  176. Hey! I know this is kind of off-topic however I needed to ask. Does managing a well-established blog like yours require a lot of work? I am completely new to running a blog however I do write in my journal on a daily basis. I’d like to start a blog so I can easily share my own experience and views online. Please let me know if you have any kind of recommendations or tips for new aspiring bloggers. Appreciate it!

  177. Howdy would you mind letting me know which webhost you’re using? I’ve loaded your blog in 3 completely different web browsers and I must say this blog loads a lot faster then most. Can you suggest a good hosting provider at a honest price? Cheers, I appreciate it!

  178. Hey just wanted to give you a quick heads up. The words in your post seem to be running off the screen in Internet explorer. I’m not sure if this is a format issue or something to do with web browser compatibility but I figured I’d post to let you know. The design and style look great though! Hope you get the problem fixed soon. Thanks

  179. Good day! I know this is somewhat off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!

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  181. First off I want to say fantastic blog! I had a quick question which I’d like to ask if you do not mind. I was curious to find out how you center yourself and clear your mind prior to writing. I have had a hard time clearing my thoughts in getting my thoughts out there. I truly do enjoy writing however it just seems like the first 10 to 15 minutes are lost simply just trying to figure out how to begin. Any ideas or hints? Appreciate it!

  182. Hi there, i read your blog from time to time and i own a similar one and i was just wondering if you get a lot of spam comments? If so how do you protect against it, any plugin or anything you can suggest? I get so much lately it’s driving me mad so any help is very much appreciated.

  183. Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  184. Hello there! This is kind of off topic but I need some advice from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any tips or suggestions? Cheers

  185. Hello, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam feedback? If so how do you protect against it, any plugin or anything you can suggest? I get so much lately it’s driving me insane so any help is very much appreciated.

  186. With havin so much written content do you ever run into any issues of plagorism or copyright violation? My website has a lot of exclusive content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the internet without my agreement. Do you know any ways to help stop content from being ripped off? I’d truly appreciate it.

  187. Hi, I think your blog might be having browser compatibility issues. When I look at your blog site in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, wonderful blog!

  188. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and all. Nevertheless think about if you added some great images or video clips to give your posts more, “pop”! Your content is excellent but with images and clips, this website could definitely be one of the greatest in its field. Good blog!

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  194. Today, while I was at work, my sister stole my apple ipad and tested to see if it can survive a 40 foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!

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  203. Hi there! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog post or vice-versa? My site discusses a lot of the same subjects as yours and I believe we could greatly benefit from each other. If you’re interested feel free to send me an email. I look forward to hearing from you! Excellent blog by the way!

  204. Hmm it appears like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any tips and hints for newbie blog writers? I’d definitely appreciate it.

  205. Hello there! This is kind of off topic but I need some guidance from an established blog. Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about making my own but I’m not sure where to start. Do you have any ideas or suggestions? With thanks

  206. Have you ever considered about including a little bit more than just your articles? I mean, what you say is fundamental and everything. But just imagine if you added some great graphics or videos to give your posts more, “pop”! Your content is excellent but with images and video clips, this blog could definitely be one of the most beneficial in its field. Great blog!

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  212. Today, I went to the beachfront with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

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  217. Greetings! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My weblog looks weird when browsing from my iphone. I’m trying to find a template or plugin that might be able to fix this issue. If you have any recommendations, please share. Many thanks!

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  223. Good day! I know this is somewhat off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having trouble finding one? Thanks a lot!

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  226. Hello there! I know this is kinda off topic nevertheless I’d figured I’d ask. Would you be interested in exchanging links or maybe guest writing a blog post or vice-versa? My blog covers a lot of the same topics as yours and I feel we could greatly benefit from each other. If you’re interested feel free to send me an e-mail. I look forward to hearing from you! Great blog by the way!

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  231. I was wondering if you ever considered changing the layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two pictures. Maybe you could space it out better?

  232. I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100% positive. Any recommendations or advice would be greatly appreciated. Thanks

  233. With havin so much content do you ever run into any problems of plagorism or copyright violation? My site has a lot of unique content I’ve either written myself or outsourced but it appears a lot of it is popping it up all over the web without my authorization. Do you know any solutions to help protect against content from being stolen? I’d certainly appreciate it.

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  235. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  236. Have you ever considered creating an ebook or guest authoring on other sites? I have a blog based on the same information you discuss and would love to have you share some stories/information. I know my readers would appreciate your work. If you are even remotely interested, feel free to shoot me an e mail.

  237. We absolutely love your blog and find the majority of your post’s to be just what I’m looking for. Would you offer guest writers to write content for you? I wouldn’t mind writing a post or elaborating on most of the subjects you write concerning here. Again, awesome site!

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  239. Howdy just wanted to give you a quick heads up. The words in your content seem to be running off the screen in Opera. I’m not sure if this is a format issue or something to do with web browser compatibility but I thought I’d post to let you know. The style and design look great though! Hope you get the problem resolved soon. Kudos

  240. I am really enjoying the theme/design of your site. Do you ever run into any browser compatibility problems? A few of my blog visitors have complained about my blog not working correctly in Explorer but looks great in Chrome. Do you have any ideas to help fix this problem?

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  243. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three e-mails with the same comment. Is there any way you can remove me from that service? Many thanks!

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  247. Hey just wanted to give you a quick heads up. The words in your content seem to be running off the screen in Opera. I’m not sure if this is a formatting issue or something to do with browser compatibility but I figured I’d post to let you know. The style and design look great though! Hope you get the problem solved soon. Thanks

  248. Hmm it looks like your website ate my first comment (it was extremely long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to everything. Do you have any suggestions for newbie blog writers? I’d definitely appreciate it.

  249. I absolutely love your blog and find a lot of your post’s to be precisely what I’m looking for. Do you offer guest writers to write content in your case? I wouldn’t mind publishing a post or elaborating on many of the subjects you write about here. Again, awesome site!

  250. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

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  262. Hmm it seems like your website ate my first comment (it was extremely long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to everything. Do you have any suggestions for novice blog writers? I’d definitely appreciate it.

  263. Heya! I realize this is kind of off-topic however I had to ask. Does managing a well-established website such as yours require a massive amount work? I am completely new to operating a blog but I do write in my journal daily. I’d like to start a blog so I can easily share my experience and thoughts online. Please let me know if you have any kind of suggestions or tips for new aspiring blog owners. Appreciate it!

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  266. First of all I would like to say awesome blog! I had a quick question that I’d like to ask if you don’t mind. I was interested to know how you center yourself and clear your mind prior to writing. I’ve had a hard time clearing my mind in getting my thoughts out. I truly do take pleasure in writing however it just seems like the first 10 to 15 minutes tend to be wasted just trying to figure out how to begin. Any recommendations or hints? Kudos!

  267. I was curious if you ever considered changing the structure of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 pictures. Maybe you could space it out better?

  268. Howdy just wanted to give you a quick heads up. The text in your content seem to be running off the screen in Chrome. I’m not sure if this is a formatting issue or something to do with web browser compatibility but I figured I’d post to let you know. The design and style look great though! Hope you get the problem solved soon. Kudos

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  275. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  276. My partner and I absolutely love your blog and find the majority of your post’s to be exactly what I’m looking for. Do you offer guest writers to write content for yourself? I wouldn’t mind writing a post or elaborating on a lot of the subjects you write regarding here. Again, awesome web site!

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  278. I’m curious to find out what blog system you are utilizing? I’m having some small security issues with my latest site and I would like to find something more safe. Do you have any solutions?

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  284. Heya! I realize this is sort of off-topic but I needed to ask. Does managing a well-established blog such as yours take a massive amount work? I am completely new to blogging but I do write in my journal daily. I’d like to start a blog so I can easily share my personal experience and views online. Please let me know if you have any kind of suggestions or tips for brand new aspiring bloggers. Thankyou!

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  293. Hey! This is kind of off topic but I need some help from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about making my own but I’m not sure where to start. Do you have any points or suggestions? Many thanks

  294. I was curious if you ever considered changing the layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two pictures. Maybe you could space it out better?

  295. Howdy just wanted to give you a quick heads up. The words in your article seem to be running off the screen in Firefox. I’m not sure if this is a formatting issue or something to do with browser compatibility but I figured I’d post to let you know. The design look great though! Hope you get the problem solved soon. Thanks

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  297. With havin so much written content do you ever run into any problems of plagorism or copyright violation? My site has a lot of unique content I’ve either authored myself or outsourced but it looks like a lot of it is popping it up all over the internet without my agreement. Do you know any methods to help prevent content from being ripped off? I’d truly appreciate it.

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  314. Hey! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Thanks!

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  351. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

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  353. Today, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a 40 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is completely off topic but I had to share it with someone!

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  366. My coder is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on a number of websites for about a year and am worried about switching to another platform. I have heard fantastic things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any kind of help would be greatly appreciated!

  367. The other day, while I was at work, my cousin stole my iphone and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is entirely off topic but I had to share it with someone!

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  377. Today, I went to the beachfront with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  378. With havin so much written content do you ever run into any issues of plagorism or copyright violation? My website has a lot of completely unique content I’ve either authored myself or outsourced but it appears a lot of it is popping it up all over the web without my authorization. Do you know any methods to help protect against content from being stolen? I’d truly appreciate it.

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  384. I do not know if it’s just me or if everyone else experiencing issues with your site. It appears like some of the written text in your posts are running off the screen. Can someone else please provide feedback and let me know if this is happening to them as well? This may be a problem with my internet browser because I’ve had this happen before. Appreciate it

  385. I don’t know if it’s just me or if perhaps everyone else experiencing problems with your website. It appears like some of the text within your content are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them as well? This could be a issue with my browser because I’ve had this happen before. Thank you

  386. Hello, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam feedback? If so how do you stop it, any plugin or anything you can recommend? I get so much lately it’s driving me mad so any help is very much appreciated.

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  388. I know this if off topic but I’m looking into starting my own blog and was wondering what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100% positive. Any tips or advice would be greatly appreciated. Thank you

  389. Hi there! This is kind of off topic but I need some advice from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any points or suggestions? Many thanks

  390. With havin so much content and articles do you ever run into any problems of plagorism or copyright infringement? My site has a lot of unique content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the internet without my agreement. Do you know any techniques to help stop content from being stolen? I’d certainly appreciate it.