My Elder Advocate Launches Long Term Care Insurance Website

My Elder Advocate help's people obtain quality long term care insurance. We are licensed in New York and New Jersey to sell insurance products. As with elder care services we deal only with reputable companies that have a proven track record of being there when you need them. We are specialists.

Check Out MyElderAdvocateLTCI.com

Long-term care insurance, an insurance product sold in the United States, helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, getting in and out of a bed or chair, and walking.

Long-term care isn't necessarily long term. A person may need care for only a few months to recover from surgery or illness.

As an individual ages, there is an increased risk of needing long-term care. In the United States, Medicare will not cover the expenses of long-term care, but Medicaid will for those who can not afford to pay.

Age is not a determining factor in needing long-term care. About 40% of those receiving long-term care are between 18 and 64. The late actor Christopher Reeve who in 1995 at age 42 became paralyzed following an equestrian accident and required 9 years of long-term care. Once a health condition occurs long-term care insurance may not be available. Early onset (before age 65) Alzheimer's and Parkinson's disease are rare but do occur. Michael J. Fox was 30 when diagnosed with Parkinson's.

Comments

[Angela]

I'm so glad that there are more sites popping up like this. You should also check out AARP's site www.thisissoridiculous.com, which was set up to allow us to get our voices heard on the rising Medicare/Healthcare funding issue. Make sure you go and sign the petition that they put up and contact your congressman to make sure our best interests are being put forth. I am working to support AARP in their push to help us take positive steps forward in the healthcare industry, and you should too, before it's too late.