If you are thinking of waiting to purchase long term care insurance coverage, consider the impact of waiting: Increases the risk of being ineligible for insurance Decreases the overall time you have long term care insurance coverage Can increase the overall cost of coverage because premium rates increase with age Waiting delays covering your long term care risk and can cost you money.
While many people think the federal government pays for long term care expenses, nationally, over 25 percent of all nursing home expenses are paid out-of-pocket by individuals and their families. Neither Medicare, Medicare Supplement Insurance nor the major medical health insurance provided by employers is designed to pay for long term care expenses.
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4050 NW 114th Street
Urbandale, Iowa 50322