{"id":1678,"date":"2021-04-20T09:19:38","date_gmt":"2021-04-20T13:19:38","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=1678"},"modified":"2023-11-01T10:51:40","modified_gmt":"2023-11-01T14:51:40","slug":"long-term-care-insurance","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/long-term-care-insurance\/","title":{"rendered":"What is Long-Term Care Insurance?"},"content":{"rendered":"\n<p>Did you know that, according to CNBC, the health-care costs for retirees went up as high as&nbsp;<a href=\"https:\/\/www.cnbc.com\/2019\/04\/02\/health-care-costs-for-retirees-climb-to-285000.html\" target=\"_blank\" rel=\"noreferrer noopener\">$280,000 in 2018<\/a>\u2014and it was only expected to become more expensive at $285,000 in 2019? One of the best ways to avoid having to pay so much in the future is to invest in long-term care insurance.<\/p>\n\n\n\n<p>You have to plan for your future so that you live a long, happy life\u2014but how do you know if this is a way to do that? You also might be stressed about the cost of long-term care insurance.<\/p>\n\n\n\n<p>That\u2019s why we\u2019ve put together this article. We\u2019ll provide you with all the information you need to know about long-term care insurance. Once you know what you need to, you can decide if long-term care insurance is right for you.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Compare Cash Offers from <span class=\"d-inline-block\">Top Home Buyers.<\/span><\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Delivered by Your Local iBuyer <span class=\"d-inline-block\">Certified Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          One Expert, Multiple Offers, <span class=\"d-inline-block\">No Obligation.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is long-term care insurance?<\/h2>\n\n\n\n<p>Long-term care insurance is a type of coverage that is different from your everyday health insurance. With long-term care insurance, you\u2019re preparing for the day when you might need additional care that is related to your health but that isn\u2019t directly dealing with your health problems.<\/p>\n\n\n\n<p>Basically, long-term care covers different types of care you might need when you\u2019re older.<\/p>\n\n\n\n<p>This might include covering adult or personal care at home, home health care, or nursing-home care. It\u2019s used when you have a disabling or chronic condition that requires you to have supervision.<\/p>\n\n\n\n<p>This might include getting help with getting out of bed in the morning and getting back in bed at night. It also might include dressing, bathing, and other daily activities that can be difficult to do when you\u2019re older and dealing with a health condition that affects your daily life.<\/p>\n\n\n\n<p>These health conditions might include disorders, disabilities, or chronic health conditions. One example of this is Alzheimer\u2019s disease, which affects more than&nbsp;<a href=\"https:\/\/www.alz.org\/alzheimers-dementia\/facts-figures\" target=\"_blank\" rel=\"noreferrer noopener\">5 million Americans<\/a>.<\/p>\n\n\n\n<p>Even though your ordinary medical insurance would cover the medication and treatments you need for this health condition, it wouldn\u2019t cover the care you need to live well. For this reason, it\u2019s smart to think about combining your health insurance you already have with long-term care insurance.<\/p>\n\n\n\n<p>If you have long-term care insurance, you\u2019re likely to get covered by any care you receive at an adult day care center, an <a href=\"https:\/\/ibuyer.com\/blog\/what-is-a-long-term-care-facility\/\" target=\"_blank\" rel=\"noreferrer noopener\">assisted living facility<\/a>, a nursing home, and your own home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When to get long-term care insurance<\/h3>\n\n\n\n<p>For this reason, many people have to think about long-term care insurance before they get older. They\u2019re preparing so that they can have fulfilling lives in the future, without any annoying complications that come with common age-related disorders.<\/p>\n\n\n\n<p>It\u2019s important to think about long-term care costs as spending they\u2019ll have to plan for in the future.<\/p>\n\n\n\n<p>Usually, when people are in their fifties or older, they need to start thinking about how they\u2019re going to save for these potential costs. Those who don\u2019t worry about it now may end up paying far more money later on. In fact, often loved ones are the ones who&nbsp;<a href=\"https:\/\/www.care.com\/c\/stories\/16418\/cost-senior-care\/\" target=\"_blank\" rel=\"noreferrer noopener\">end up having to pay<\/a>.<\/p>\n\n\n\n<p>Because it\u2019s not possible to get affordable long-term care insurance with a debilitating condition, it\u2019s necessary to plan ahead and get this insurance sooner rather than later. Most people buy it when they\u2019re in their fifties or sixties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How does long-term insurance work?<\/h2>\n\n\n\n<p>If you\u2019ve decided that long-term insurance is something you\u2019re thinking of buying, then it helps to understand how it works. In this section, we\u2019ll answer the question, \u201cHow does long-term insurance work?\u201d To get started, you have to get in touch with the long-term care insurance provider so they can send you an application.<\/p>\n\n\n\n<p>Then, you fill it out, answering health-related questions. The long-term care insurance provider might also interview you or ask for health records. This will help them determine if you\u2019re eligible.<\/p>\n\n\n\n<p>Once the provider has decided that you\u2019re a good candidate for long-term care insurance, you can choose how much coverage you\u2019re planning to get. Usually, there\u2019s a max that can be paid per day by the insurer. There\u2019s also a cap on how much they will cover you throughout your lifetime.<\/p>\n\n\n\n<p>This is how to get long-term care insurance.<\/p>\n\n\n\n<p>After being approved and after you get the policy issued by the insurer, you\u2019ll start paying for the insurance with premiums.<\/p>\n\n\n\n<p>It won\u2019t be until you need the long-term care insurance that it will kick in. Usually, you become eligible for the benefits of the policy once you are no longer able to do two out of a&nbsp;<a href=\"https:\/\/betterhealthwhileaging.net\/what-are-adls-and-iadls\/\" target=\"_blank\" rel=\"noreferrer noopener\">total of six ADLs<\/a>, or \u201cactivities of daily living,\u201d on your own. These ADLs include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Getting in and out of your bed<\/li>\n\n\n\n<li>Getting in and out of a chair<\/li>\n\n\n\n<li>Any other type of transferring (as described above)<\/li>\n\n\n\n<li>Eating<\/li>\n\n\n\n<li>Dressing<\/li>\n\n\n\n<li>Being able to care for incontinence<\/li>\n\n\n\n<li>Bathing<\/li>\n<\/ul>\n\n\n\n<p>If you\u2019ve ever had to care for an older family member, then you are likely familiar with the importance of having a caretaker for any of these activities. In addition to not having two of these ADLs, you will also become eligible for the benefits if you suffer from a cognitive impairment like dementia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Making the claim<\/h3>\n\n\n\n<p>Once you can no longer do two ADLs or suffer from a cognitive impairment, it\u2019s time for you to make your claim. When you do this, the insurance company might send a nurse so that they can do an evaluation on you. They will also take a look at your medical documents that your doctor provides them.<\/p>\n\n\n\n<p>The insurer also has to approve the \u201cplan of care\u201d you\u2019ve selected before they approve your claim.<\/p>\n\n\n\n<p>Usually, you\u2019ll have to pay out of pocket for your care services at the beginning. Then, once your claim has gone through and been approved, the insurer will pay you back for the money you\u2019ve spent.<\/p>\n\n\n\n<p>You\u2019ll usually have to wait between 30 and 90 days, depending on how your insurer processes claims, before they start reimbursing you. This is referred to as the \u201celimination period.\u201d<\/p>\n\n\n\n<p>As mentioned earlier, there will be a daily limit on how much you can get reimbursed for by the insurance company. Additionally, there will be a cap on how much coverage you can get throughout your lifetime.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Shared care option<\/h3>\n\n\n\n<p>Considering that there\u2019s a cap on how much money you can be reimbursed, you might be stressed about what would happen if you reach that limit. This is where the shared care option comes in. This isn\u2019t available with all long-term care insurers, but you should look for one that offers this option if you think your costs may be too high.<\/p>\n\n\n\n<p>A shared care option is where both you and your spouse buy a policy at the same time, after which each other\u2019s limits are combined.<\/p>\n\n\n\n<p>As a result, if you or your spouse need additional care that needs to be covered over the amount of the individual daily or lifetime cap, then the other person\u2019s remaining insurance amount can be used for coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do I need long-term care insurance?<\/h2>\n\n\n\n<p>It is very likely that you need long-term care insurance. Unless you\u2019re very wealthy and can afford to pay for these issues when they come up, you need to prepare for the future. You should do this for yourself, your spouse, and your children.<\/p>\n\n\n\n<p>This might be&nbsp;<a href=\"https:\/\/ibuyer.com\/blog\/dealing-with-the-stress-of-selling-a-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">a stressful thing<\/a>&nbsp;to plan for, but it&#8217;s important to do so.<\/p>\n\n\n\n<p>Something you might not be sure about is when to start paying. This will have an impact on the cost of your premiums. When to start paying depends on a variety of factors, such as your age and your health.<\/p>\n\n\n\n<p>We\u2019ll review all this in the last section of this article, where we cover the costs of long-term care insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does long-term insurance cover?<\/h2>\n\n\n\n<p>As we\u2019ve reviewed, long-term insurance is different from your ordinary health insurance in that it covers the care you need when you\u2019re dealing with a health condition or can no longer perform two out of the six ADLs. What\u2019s important to understand is that long-term insurance covers you no matter where you are.<\/p>\n\n\n\n<p>When you\u2019re covered by long-term insurance, you get coverage not only for nurses who come help you in your home but also for some of the costs of being at a care facility. It will also cover the costs of any changes you need to make to your&nbsp;<a href=\"https:\/\/ibuyer.com\/blog\/selling-a-house-that-needs-repairs\/\" target=\"_blank\" rel=\"noreferrer noopener\">home, such as repairs<\/a>.<\/p>\n\n\n\n<p>For example, if you need to install a stairlift, you may be able to have some of the installation and purchase price covered.<\/p>\n\n\n\n<p>As a result, long-term insurance covers care coordination, home modification, in-home care, adult day care services, assisted living facilities, and nursing home care.<\/p>\n\n\n\n<p>Of course, different insurance plans will vary. For this reason, you should think about how you envision your future. Even though it\u2019s not the most pleasant to think about how you won\u2019t be able to perform daily tasks in the future, you have to do it for yourself and for your loved ones.<\/p>\n\n\n\n<p>Once you know what you would want to be covered and where you envision yourself living later in your life, you\u2019ll have a good idea of which type of coverage you want to get.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much is long-term care insurance?<\/h2>\n\n\n\n<p>If you\u2019re asking the question, \u201cHow much is long-term care insurance?\u201d we\u2019ll answer that question here. This can vary significantly, depending on your age, your health, and your gender. Additionally, your marital status and coverage amount will make a difference.<\/p>\n\n\n\n<p>If you\u2019re older when you purchase long-term care insurance, you\u2019ll have to pay more.<\/p>\n\n\n\n<p>This is because of the many health complications that come along with getting older. Additionally, there\u2019s more incentive for the insurance company to have you start paying earlier, before your health issues start to impact your ADLs or cognitive function.<\/p>\n\n\n\n<p>Your current health will also have an impact on the cost of your long-term care insurance. If your health is&nbsp;in poor condition, you will have to pay more.<\/p>\n\n\n\n<p>If you have a disease that runs in your family but you don\u2019t have it, it\u2019s best to get insured before it potentially becomes a health problem you have. Additionally, if you have any current health problems, do what you can to deal with them before you apply for long-term care insurance.<\/p>\n\n\n\n<p>Gender will also have an impact on the cost. Because women usually live longer than men, they have to pay more. Marital status has an impact too, as your premiums will be lower if you\u2019re married.<\/p>\n\n\n\n<p>Insurance companies themselves will vary in cost, depending on what it is they offer you. Additionally, the amount of coverage you receive will have an impact on the amount of money you end up paying in premiums.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Instant Valuation, Confidential Deals<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">with a Certified <span class=\"d-inline-block\">iBuyer.com Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          Sell Smart, Sell Fast, Get Sold. <span class=\"d-inline-block\">No Obligations.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that, according to CNBC, the health-care costs for retirees went up as high as&nbsp;$280,000 in 2018\u2014and it was only expected to become more expensive at $285,000 in 2019? One of the best ways to avoid having to pay so much in the future is to invest in long-term care insurance. You have [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":1679,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-selling"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Long-Term Care Insurance? Here&#039;s What You Need To Know<\/title>\n<meta name=\"description\" content=\"Long-term care insurance covers more than traditional medical insurance. Here is everything you need to know.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Long-Term Care Insurance?\" \/>\n<meta property=\"og:description\" content=\"Long-term care insurance covers more than traditional medical insurance. 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