Long Term Care Insurance Hialeah Florida

Hialeah, Florida Long Term Care Insurance

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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 Hialeah, Florida 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 Hialeah, Florida
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.

More Information on Hialeah, Florida Long Term Care Insurance

Click on the link below to fill out a secure quote request form for a Hialeah, FL Long Term Care
Insurance policy that will provide excellent Florida long term care insurance coverage at an affordable
cost. After submitting the quote request form, a Florida Long Term Care Insurance agent specialist in
the Hialeah, FL area will contact you to speak with you in more detail about your Long Term Care
Insurance needs and to provide you with a quote or quotes.

Click here to fill out a Hialeah, Florida Long Term

Care Insurance policy quote request form

Long Term Care Insurance (Nursing Care)

There are three levels of nursing care that are covered by a Hialeah, Florida 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 Hialeah, FL Long Term Care
Insurance policy that will provide excellent Florida long term care insurance coverage at an
affordable cost. After submitting the quote request form, a Florida Long Term Care Insurance
agent specialist in the Hialeah, FL area will contact you to speak with you in more detail about
your Long Term Care Insurance needs and to provide you with a quote or quotes.

Click here to fill out a Hialeah, Florida Long Term

Care Insurance policy quote request form

Hialeah, FL area insurance agents offering affordable Florida long term care insurance policy
premiums in the following south Florida cities and counties: Coral Gables, Kendall, Richmond
Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville,
Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens,
Miami, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami,
Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North,
Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach,
Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale
Beach, Ives Estates, Pembroke Park, Hollywood, Dania Beach, Cooper City, Davie, West Miami,
Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Fort Lauderdale,
Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Pompano Beach, Margate,
Coral Springs, North Lauderdale, Lighthouse Point, Hillsboro Beach, Coconut Creek, Deerfield
Beach, Boca Raton, The Hamptons, Highland Beach, Boca West, Delray Beach, Boca Pointe,
Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm
Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen
Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm
Beach, Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton,
Perrine, Naranja, Homestead, Florida City, Leisure City, Miami-Dade County, Broward County,
and Palm Beach County, FL. Hialeah, FL area insurance agents can also offer affordable Florida
long term care insurance policy quotes throughout the Sunshine State, including in Jacksonville,
Tallahassee, Orlando, Gainesville, Daytona Beach, St. Petersburg, and Tampa, FL.

5 Minute Form - Quick Response for Florida Long Term Care

Insurance from Hialeah, Florida Area Insurance Agents

Local Hialeah, Florida Area Insurance Agents

Offering Florida Long Term Care Insurance Quotes

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

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.

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 8% per year for the last 15 years.
Today's average cost of care in the Hialeah, Florida 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

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.

There are 6 primary factors influencing the premium

for long term care insurance policies:

Costs

Click here to fill out a Hialeah, Florida Area

Long Term Care Insurance policy quote request form

Click here to fill out a Hialeah, Florida Long Term

Care Insurance policy quote request form

Click on the link below to fill out a secure quote request form for a Hialeah, FL Long Term Care
Insurance policy that will provide excellent Florida long term care insurance coverage at an
affordable cost. After submitting the quote request form, a Florida Long Term Care Insurance agent
specialist in the Hialeah, FL area will contact you to speak with you in more detail about your Long
Term Care Insurance needs and to provide you with a quote or quotes.

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