Most people are unaware that Medicare does not cover long term care insurance. Our mission is to educate Americans about the options they have in planning for the worst case scenario. Long Term Insurance is one of those options. By purchasing this protection you can shield your family from the devastating costs of nursing homes and related costs of extended unskilled medical care.

Generally, when individuals cannot perform two of the six activities of daily living they become eligible for the coverage of their long term insurance policies.  A cognitive deficit also qualifies them for full benefits.

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The average stay in a long term care facility is 2.8 years. The average cost per year across the country is an astounding $75,000. Such care has never been more expensive, and the cost is climbing. Even assisted living facilities are averaging $36,000 annually, and home care can range from $45,000 to double that figure if 24/7 attention is needed.

Americans fifty and older are facing a more devastating financial liability than any group before them. Amazingly, 39% of those using extended care are under the age of 60, and after age 65, it is estimated that 43% of Americans will need long term care for some length of time, whether it be four months or ten years.

With medical science helping people to live longer and families having to work harder to keep food on the table, LTC insurance has become the number one way to protect against this type of financial catastrophe.  The ordeal of caring for a loved one without sacrificing a job or other obligations is a burden that strains even the strongest family.

Chronic diseases, like Multiple Sclerosis, Parkinson's and Rheumatoid Arthritis, are affecting people at younger ages. While many senior citizens require long term care, it is important that younger people think about securing their futures as well. Most young people do not have the income to save for long term health care costs if they are needed before growing older. State Medicaid programs are already stretched thin, and the Federal government keeps cutting Medicaid funding. Simply put, states will not have the money to provide Medicaid for those in need of long term care. States such as Arizona, Florida and New York are already feeling the impact of the ever-expanding group of 70+ year olds, not to mention the rising tide of baby boomers. The entire country will reach peak demand for LTC services within twenty years. The new Affordable Health Care for America Act only offers $50.00 per day for home care. The lowest cost in the country today for such services is $100.00 per day and that is only a fraction of what full-time care would require.

Being a caregiver is a demanding job. If you cannot self-insure without going broke in a few years, then shielding your nest egg and protecting your family’s security is attainable with a sensible long-term care insurance plan. Peace of mind is yours when you know that you took care of the necessary planning early, before calamity struck and the stack of daunting bills began eating into your family’s future dreams.

The Florida Department of Insurance, along with other states, tightly regulates Long Term Insurance. With large senior populations, Sarasota and Tampa were among the first places where long term care insurance became popular over two decades ago. Citizens of Sarasota and Tampa, Florida and others across the country are concerned about protecting everything they worked for their entire lives.

Obtaining long-term insurance quotes is one of the easiest ways to become familiar with this subject. But before you do, however, read through the other pages on this site. Then, when you receive your long term care insurance quotes, you will have a solid grasp of the topic and be able to make an informed decision as to whether it is right for you. It partly depends on your current level of assets and whether or not you are a home owner.

Now is the time to find out about this important protection. With new long term insurance partnerships popping up around the country, every state is gearing up for a skyrocketing demand for long term care.