LTC Learning Center
The Who, What, Where, and Why's of LTC
What is Long Term Care (LTC)?
Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson’s, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer’s). Long Term Care is not necessarily medical care but rather "custodial care." …Learn MoreWhy is there a need for Long Term Care?
Basically people are living longer. As Americans take care of themselves through a healthy diet and exercise, they are increasing their projected longevity. Statistically, Americans over the age of 65 face a 40% risk of entering a nursing home for Long Term Care services. …Learn MoreWhat Do Long Term Care Services Cost?
"A year in a nursing home now averages more than $40,000 and can exceed $100,000 annually in some parts of the country." - The Wall Street Journal 3/31/99. Obviously Long Term Care services are very expensive. Quality nursing homes are always filled to capacity…Learn MoreWhat Do Long Term Care Services Cost?
There are 4 main ways in which to pay for long term care, cash, Medicare, Medicaid, or private insurance. Before you begin paying for long term care insurance it is critical that you plan early so you make the best decision possible…Learn MoreWhat is Long Term Care Insurance and what to look for in a quality LTC policy?
Like any insurance product, Long Term Care insurance allows the insured to pay an affordable premium to protect an unaffordable catastrophic event. A quality LTC policy is financial strong, can provide an Adequate Daily Benefit, …Learn MoreWho should consider Long Term Care insurance?
If you are able to pay Long Term Care insurance premiums without having to change your lifestyle – you should transfer that risk to the insurance company. …Learn MoreHow can I find out more information?
When you request your FREE instant LTC insurance quote you will receive the FREE Insider’s Guide to Long Term Care Insurance. Giving you the chance to learn even more about LTC insurance and speak with a professional LTC insurance agent… Learn More
Further Areas of Importance
Common Misconceptions about LTC insurance
Medicare will cover all long term care costs
FALSE: Medicare provides limited coverage for skilled nursing care, limited to 100 days in each benefit period, and only following a hospital stay... Learn MoreArticles and Interviews by Martin Bayne, Mr. LTC
An excellent resources in understanding LTC and finding out where people like Hillary Clinton, Jimmy Carter, etc. weigh in on issues effecting Long-Term Care... Learn MoreArticles about Long Term Care
A catalog of articles that touch upon the many important issues that effect the Long Term Care industry and LTC insurance. Articles regarding government LTC involvement, insurance policies information, etc. ... Learn MoreLTC Glossary
Have a question about terms used on the web site visit the glossary to check them out... Go to GlossaryFrequently Asked Questions
Why should I apply for long term care insurance? * Is long-term care insurance a "bad investment?” What is the average daily benefit? ... Learn MoreMr. LTC’s Suggested Sites
For more information on the may facets of Long Term Care visit these suggested sites ... Learn More