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Advances in medical science allow us to live longer & survive accidents & health events. As we age the risk increases. People require care due to illnesses, accidents or the impact of aging.
A leading Long-Term Care Planning expert tells teachers that planning for Long Term Health Care is even more important now that many states are looking at changing how teacher’s retirements are funded.
Most long-term health care is delivered in-home. Like nursing homes, memory care facilities, and assisted living, the costs are expensive. Planning with an LTC policy is the easy solution.
Short -Term Care Coverage might be available for those who have been declined for long-term care Insurance according to consumer group. Plus, those with health issues who have been told there are no options might have an option. Seek a specialist to assist you in your research.
Many people have HSA's and don't know they can pay for their affordable Long-Term Care Insurance with pre-tax money. New 2021 contribution limits were announced by the IRS allowing people to contribute more money to HSAs.
Some people wonder if Long-Term Care Insurance actually pays claims. According to a national trade group, LTC policies paid almost $8 billion in claims in just 2014.
