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Caregiver Contracts Make Things Clear Caregiving is not the kind of topic that makes for pleasant chit-chat over tea, much like long term care and long term care insurance. Yet these are crucial issues to address boldly with vigor and verve, if you want future years to unfold gracefully. Congress Scrutinizes Long Term Care Insurance Conseco and Penn Treaty Long Term Care insurance companies must be biting their nails to the quick, as the House Committee on Energy and Commerce breathe down their necks and the General Accountability Office closes in. Estate Planning: Make Sure Your Wishes are Honored A medical power of attorney and living will are crucial estate planning steps, and like long term care insurance, must be set in place early in life for optimal protection. How to Understand Health Standards for Long Term Care Insurance Enrollment Long term care insurance conforms to the basic insurance mechanism, in that the individual risk of future peril is shared by a pool of people who currently are free from that peril. Certain pre-existing health conditions can make it impossible for some folks to enroll due to health reasons. If you have any health issues, this article can help you better understand long term care insurance health requirements. This is worth checking out... Long Term Care and Long Term Care Insurance? Your Chances and Your Costs… Clearly, you don't want to dwell on an image of you or your spouse in a wheel chair or nursing home, but if you don't plan ahead now for such eventualities, you could end up with a crippling financial burden that can strip a family of it's entire nest egg, because long term care is costly. This is why insurance can be such an affordable planning tool. Long Term Care Insurance circa 2007 When long term care insurance was first conceived and offered, back in the 1980's, most LTCi premium rates were much lower than today's policies. Why have they increased so much and why are long term care insurance companies raising premiums on existing policies? Long Term Care Insurance: Five Simple Steps for Comparing and Choosing Policies Every insurance policy is a legal contract. Once agreed upon by both parties, a long term care insurance company must uphold their contract to the letter, or risk lawsuits and regulatory prosecution. Each policy is crafted with utmost care using the probabilities of actuaries, as well as contract lawyers' keen legaleze, and here's how to navigate the decision process. Long Term Care Insurance: Who to Trust? When choosing your long term care insurance, it's a very good idea to enlist the expertise of an insurance coverage contract lawyer in the beginning, rather than waiting until being denied. Just know that lawyers are pricey, so be prepared to spend some extra cash for this last step. Long Term Care Insurance: Yea or Nay? Long term care insurance coverage simply MUST be considered by everybody who can medically qualify for this important coverage. Why? For starters here are 10 good reasons: Won't Medicare Pay for Our Long Term Care? Fact: Medicare is NOT DESIGNED to cover long term care. It was designed primarily to help with 'short term' rehabilitation.

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