Health Qualifying For Long Term Care Insurance: Motor and Long-Term Care Insurance Deal

Health Qualifying For Long Term Care Insurance

The Centers for Medicare and Medicaid Services and The American Society on Aging estimate that 60 - 70% of Americans over the age of 65 will need some form of long-term care. When we are healthy, it is hard to contemplate an unhealthy future. Retirement planning conjures up images of fun, relaxation and travels to exotic locations. Long term care is…… depressing. However, there is an important fact that does not often arise when considering retirement planning and long term care insurance (LTCi) protection…

Not everyone can “health qualify” for it.

It is often assumed that you can apply and get LTCi when you are older and closer to the age of actually needing it. But, waiting can be a costly mistake. An American Association of Long-Term care insurance study showed that 1 in 10 between ages 50-59 who apply are declined. And, it almost doubles for those in the 60-69 age group. For those 70 or older, the decline rate is 43%.

The good news is, those that are in good health when applying can take advantage of good health discounts. These can save 10% per year and the discount remains even if there is a change in health. However, the number of those who qualify for these health savings declines with age. Over half of applicants between 40-49 will qualify. More than two thirds of those 60-69 will not. Each long term care insurance company sets its own rules regarding health standards. It is important to work with a knowledgeable professional that can investigate multiple companies to get the best coverage for the best price.

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Health Qualifying For Long Term Care Insurance

Category Long-Term Care Insurance Deal

Long-Term Care Insurance Deal

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