Mr. Long Term Care
Let Care be our Long Term Commitment
I can safely say that the purchase of my LTC insurance was the wisest and most forward-thinking, financial decision of my life. - Mr. LTC

Do your know someone who required or will soon require long term care?
"After age 65, Americans have more than a 70% chance of needing some form of long-term care."
-American Society on Aging

"An estimated 12.1 million Americans need assistance from others to carry out everyday activities."
- As noted on

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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 More

Why 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 More

What 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 More

What 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 More

What 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 More

Who 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 More

How 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 More

Articles 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 More

Articles 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 More

LTC Glossary
Have a question about terms used on the web site visit the glossary to check them out... Go to Glossary

Frequently 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 More

Mr. LTC’s Suggested Sites
For more information on the may facets of Long Term Care visit these suggested sites ... Learn More