As Someone Gets Older, In Many Cases Long Term Care Insurance Becomes a MUST Protection For Your Household
Doctors say my mother has developed Alzheimer's disease. It runs in the family, because her mother developed it too. I'm doing everything to help supplementwise, but for Alzheimers, senility or dementia it is tough. If you have any "miracle cures" then let me know because even in the alternative health field, all my colleagues say Alzheimers is hard to help. The only thing I've ever found is large doses of methyl-B12, which can reverse the signs of senility and dementia if it is caught early enough. That's right, methyl-cobalamin and NO OTHER FORM of vitamin B-12, in high doses, can help reverse Alzheimers and dementia.
Anyway, this disease will become the scourge of this century.
That's why I'm always detoxing my own body of heavy metals and telling you to do the same, and telling you to meditate (which helps prevent it) and do all sorts of other things like increase blood flow to the brain with nattokinase. Since I don't have health insurance coverage, this is a cheap way to help prevent catastrophes other than a serious accident.
I live far away from my mom, and the situation is under control, but for many people my situation brings up the topic of long term care insurance. That's why I'm writing. Bear with me a minute as I tell you what it involves...
Here's what you need to know: Medical insurance will not cover the expenses and services that long term care insurance covers. Long term care services are also not covered by your health plan or disability insurance either. It might be something you personally need as you start getting older, or something to buy for loved ones. That's my reasons for writing.
Here are some explanations and statistics to help guide you on whether or not to get long term care insurance.
The studies how that almost half (40%) of the people who receive any type of long term care services are actually under the age of 65, which means they are not all seniors and that its need can strike at any time!
There is also a 50% chance that you will need some type of long term care service after age 65. If your own health situation is in doubt (look at the "genes in the family" by seeing the illnesses that family members are suffering), then long term care insurance is something you must consider carefully since we don't have a national health plan.
Remember, long term care is something you may need if you can no longer perform everyday tasks by yourself and you have no one to help you. Long Term Care includes all sorts of medical and support services for people with degenerative conditions, prolonged illnesses or cognitive disorder (such as Parkinson's, cancer, or Alzheimer’s). So, chronic illness can be covered by long term care insurance, which helps patients deal with long term (chronic) illnesses and disabilities that Medicaid and employer policies do not cover.
The statistics give you something to think about, but what can you expect from this type of insurance?
The first type of long term care is the skilled nursing care plan. Only a physician can order this type of service and to qualify, the patient recipient is expected to be able to fully recover from their illness or injuries. Skilled nursing care plans involve treatment by a licensed therapist along with expert nursing care.
One reason many people say no to purchasing a long term care insurance policy is because of the costs, but consider this.
Nursing home care is expensive today. For instance, the national average cost of a semi-private room in a nursing home is $64,240 annually and the average stay is 2.6 years. Depending upon where you live and the type of facility that you would prefer, these costs can be significantly higher and are expected to rise to nearly $200K in 25 years. Home health care is also expensive; the national average annual cost is well over $20,000 (that's $19/hour at 5 hours per day, 5 days a week for a home health aide) and expected to climb to $68,000 by 2030. As you plan for your own future or that of your elder, you should consider whether this is an expense you will be able to afford.
So what are the costs of Long Term Care Insurance?
Naturally the costs vary according to your age, health condition and insurance provider ...even seniors can buy long term care insurance but the costs are higher than for someone in their 40's, who might only pay $30-50 in bi-weekly payments. Just a few phone calls or web clicks will tell you immediately what the price range is for your situation or your elder's.
Want to learn more? You're just a few web clicks away from finding out the approximate price for the situation you're in!
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