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Mom died 10 years ago without ever needing LTC. Four years ago dad was diagnosed with dementia and we had to move him into a Assisted Living facility.
Fidelity has came through for us! I am so grateful my mom had the foresight to purchase the insurance.
Chased a rainbow down a one way street.........Dead End
And all my friends turned out to be Insurance......Sales-Men
Sadly, the agent you spoke with was either incompetent or represents an insurance company that has a horribly over-priced policy.
A married couple in good health, both age 61, can share $500,000 of LTC benefits for less than $150 per month per spouse. Even after paying the premium for 20 years the LTC benefits would be 7 times greater than the total premiums paid.
The biggest mistake consumers make when investigating LTC insurance is getting quotes from only one or two insurance agents or " financial advisers".
LTC insurance is like anything else that you buy. Prices vary a lot because some companies price in very large profit margins; others don't.
How?
There are reliable sources that provide free long term care insurance quote and http://ltcga.com/ltc-quotes.html is just one of them. Requesting for quotes allow you to compare policies from different companies and help you find an affordable plan that will not jeopardize your policy benefits. This is actually recommended by experts in order to understand your options better and also to save on premiums.
Buying this type of a policy is a risk that everyone shold take since more people will most liekly require long term care. According to statistics, about 70% of Americans wil require this type of care at some point of their lives. Another reason why people should buy policy is in order to cover the high cost of care.
Genworth’s latest survey showed that staying in a semi-private room in a nursing home costs $80,300 annually while a private room costs $91,250 annually. This only shows that the cost of care will most likely exhaust your savings.
Here are some resources that can help you come up with a well-informed decision in terms of buying long term care insurance: http://longtermcare.gov/.