Houston TX Long Term Care Insurance

Benefit Limit: The number of years that a plan will pay a benefit from the time you get sick.
Benefit limits generally vary from one year to lifetime coverage. The longer the benefit limit, the
greater the protection but the higher the cost.

Inflation Protection: Sometimes called an "inflation rider", this provides you with a way for
your daily benefits to increase over time. Otherwise, the policy may not be sufficient to protect
you many years from now. Long term care insurance policies normally contain riders offering
automatic daily benefit increases of 5 percent each year, either at "simple" or "compounded"
rates.

Elimination Period: Amount of time that you agree to pay out of your own pocket before the
plan (policy) begins to pay. This period normally varies from 0 to 100 days. The 100-day
elimination period will produce the smallest premium cost to you.

Daily Benefit: The maximum amount a policy will pay for one day of care. This can vary from
$50 per day to over $400 per day. You will decide whether to purchase sufficient insurance to
cover all of these costs or only most of them.

Personal Insurance

Houston, TX Long Term Care Insurance

Click on the link below to fill out a secure quote request form
for a Houston, TX area long term care insurance policy that will
provide comprehensive personal insurance coverage at an
affordable cost. An insurance agent in the Houston, TX area
will contact you.

Click here to fill out a

Houston, TX Area

Long Term Care Insurance

policy quote request form

SSL Secure

Although people are generally living longer, many are requiring
assistance in their later years. Long term care services can be
provided in your home, in an assisted living facility or in a nursing
home. In many cases the family is no longer able to provide such
care around the clock. Family members may not live nearby, they
may have other pressing family commitments, or simply can't get
the time off from work or away from the home.

According to recent data, 48.6% of people age 65 and older may
spend some time in a nursing home and 71.8% of people age 65
and older may use some form of home health care.

Some people can pay the bill out of pocket, others will qualify for
Medicaid (welfare), but most of us will fall somewhere in the middle.
A Houston, TX area Long Term Care insurance policy can help
protect your assets from the rising cost of care.

Long Term Care insurance is often referred to as "asset protection."
Individuals need to have assets worth protecting in order to justify the
purchase of a policy. 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.

Three Types of Long Term Care Insurance Policies

Facility Only: Will pay benefits for care in a nursing home,
assisted living facility or board and care facility. It's the most
basic policy but often the most needed type.

Home Health Care: Will pay benefits for care in your home, but
not in a facility. The preferred policy when a home health care
situation is possible.

Comprehensive: Will pay benefits for care in your home or in a
facility. This is the preferred type of plan (policy) because of it's
flexibility, but is also the most expensive.

A long term care insurance specialist will assist you in deciding
which type of policy will work best for your needs.

More Information on Texas Long Term Care Insurance

Long Term Care Insurance Policy Premiums

Long Term Care Insurance Features

Long Term Care Insurance Facts & Costs

Stable Premiums: Premiums that will not be influenced by any
change in your age or health, and will not change during the life of
the policy. Insurance companies do reserve the right to change
rates on a statewide basis.

Guaranteed Renewable: The insurance company can't cancel the
long term care insurance policy unless you fail to pay the premium.

Covers Mental Conditions: Covers mental and nervous conditions
due to any organic brain disease, including Alzheimer's Disease.

Exclusions: Exclusions should be minimal and should not adversely
affect your stated insurance protection goals.

No Pre-Existing Conditions: All previous medical history admitted
on the long term care insurance application and is approved for a
policy, is of no consequence in the future.

Waiver of Premium: The insurance company allows you to stop
paying premiums once you've begun receiving benefits. There can
be waiting periods of up to 90 days before this waiver takes effect,
and it may not be available when home health care is purchased.

In choosing a long term care insurance policy you should
consider the features listed below.

No matter what age you are now, it's doubtful that you will pay more over your entire life in total
premiums for long term care insurance than you would pay for only a one year stay in a nursing
home.

The cost of nursing home care has risen at an average rate of 7% per year for the last 15 years.
Today's average cost of care in the Houston, TX area is about $141,000, but inflation rates will
propel this cost much higher. An average inflation rate of 6% over the next twenty years would
more than triple the cost of nursing home care.

Medicare pays for less than 10% of all nursing home costs.

Over 50% of the U.S. population will require long term care at some point.

38% of the 13.5 million Americans currently receiving long term care are between the ages of
18 and 64.

More than 76% of people receiving long term care, receive it in their home or in other
community environments.

Facts

Click on the link below to fill out a secure quote request form for a
Houston, TX area long term care insurance policy that will provide
comprehensive personal insurance coverage at an affordable cost.
An insurance agent in the Houston, TX area will contact you.

Click here to fill out a

Houston, TX Area

Long Term Care Insurance

policy quote request form

SSL Secure

Click on the link below to fill out a secure quote request form for a Houston, TX area long term
care insurance policy that will provide comprehensive personal insurance coverage at an
affordable cost. An insurance agent in the Houston, TX area will contact you.

Click here to fill out a

Houston, TX Area

Long Term Care Insurance

policy quote request form

SSL Secure

Type of Policy: Facility, Home Health Care, or Comprehensive

Age: The most important element in determining the premium. Naturally the earlier you start
paying for long term care insurance the better.

Long Term Care Insurance (Nursing Care)

There are three levels of nursing care that are covered by a long term care insurance policy:

Custodial care: Care necessary due to a permanent or chronic illness or injury, which is less
intensive, but which may continue indefinitely. This nursing care helps a person perform
activities of daily living or supervises a person if cognitive impairment exists. Many custodial
care situations start with a mild degree of illness which is followed by slow deterioration.
Alzheimer's disease is one example where custodial care is usually needed. Other types of
insurance policies do not offer custodial care benefits. The value of long term care insurance
for you or a family member and protecting a lifetime of created assets is never more evident
than in custodial care nursing services.

Skilled care: Short term nursing care needed after an illness or serious injury. Consists of
rehabilitative and intensive 24 hours per day care.

Intermediate care: Rehabilitative care by a nurse for up to six months and when less than
24-hours per day supervision is needed.

Skilled care: Short term nursing care needed after an illness or serious injury. Consists of
rehabilitative and intensive 24 hours per day care.

Click on the link below to fill out a secure quote request form for a Houston, TX area long term
care insurance policy that will provide comprehensive personal insurance coverage at an
affordable cost. An insurance agent in the Houston, TX area will contact you.

Click here to fill out a

Houston, TX Area

Long Term Care Insurance

policy quote request form

SSL Secure

There are 6 primary factors influencing the premium for long term care insurance policies:

Costs

Privacy

Disclaimer / Legal

Site Map

CityInsuranceAgents.com - (757) 484-3949

CityInsuranceAgents.com shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or
obtained as a result of any information or offer in or results of any kind obtained in connection with this website, including, without limitation to
any agent referrals, recommendations, application, approval, prequalification, or analysis. Nothing on this website contains an offer, promise or
otherwise, either to make a specific policy or that any participating advertiser will make any policy for any purpose or on any specific terms.

Site Built & Maintained by InsuranceWebsiteServices.com

Local Houston, Texas area insurance agents offering affordable health insurance policies in the following
cities and counties: Pasadena, Deer Park, Pearland, Galena Park, Jacinto City, La Porte, Bellaire, West
University Place, North Houston, Cloverleaf, Beaumont Place, Spring Valley, South Houston, Hilshire
Village, Humble, Houmont Park, Friendswood, League City, Alvin, Mission Bend, Sugar Land, Stafford,
Missouri City, Texas City, Webster, Dickinson, Baytown, Channelview, Highlands, Seabrook, Bacliff, La
Marque, Jersey Village, Town West, Westfield, Kingwood, Spring, The Woodlands, Liberty, Conroe,
Tomball, Hempstead, Galveston, Crystal Beach, Lake Jackson, Algoa, Santa Fe, Juliff, Arcola, Needville,
Katy, Dayton, Angleton, Beaumont, Port Arthur, Bammel, Kohrville, Manvel, Bay City, Beasley,
Rosenberg, Richmond, Orchard, Fulshear, Brenham, Addicks, Brookshire, San Felipe, Hockley, Prairie
View, New Caney, Beach City, Nassau Bay, Harris County, Fort Bend County, Brazoria County,
Galveston County, Montgomery County, and Liberty County, TX.

**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.