This is a critical part of getting the right Long Term Care policy. A good agent will not only know about the different companies and their policies, he or she will also assess your individual needs, answer all your questions, and provide ongoing service in the future.
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LTC Staff Articles
These are articles about Long Term Care contributed by LTC.com's staff writers.
Medicare Supplement insurance (Medigap) is private insurance that helps pay for some of the gaps in Medicare coverage, such as hospital deductibles and excess physician charges above what Medicare approves.
Many leading companies have recognized the value of Long Term Care coverage as both a recruiting incentive and an employee retention tool. Because of certain tax advantages, Long Term Care coverage can be added to a benefits package with little or no cost to the company. The specific tax advantages vary based on the type of company.
Many people ask, "Should I wait to buy Long-Term Care insurance when I'm older because I don't think I'll need if for a long time. I'll be paying for it all those years that I won't be using it". This is a very good question.