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If a financial institution offered to pay you the cost for a nurse or aide in case your mom or dad needed help dressing, cooking, bathing or using the toilet, would that be an important income source to you? If so, read on.. Long term care insurance (LTCI) isn't just for the elderly. It also works for healthy, younger people. It protects their grown children from financial catastrophe when they are doing their best to take care of their parents. LTCI saves you from plowing through your savings to give your parent(s) the kind of care that you want them to have. Your parent doesn't necessarily have to be sick for you to collect benefits. If you can show that your mom or dad is physically or mentally unable to properly take care of his or herself, you may hire someone to help out. These conditions don't always happen due to an acute disease. Sometimes, old age simply takes over. Your LTCI reimburses the cost of this custodial assistance. LTCI pays you whether this assistance occurs in a hospital, recovery facility, custodial facility or at home. In fact, some people buy LTCI for themselves or for their parents to keep them out of a nursing home. Some people abhor the thought of leaving their home and living in a rest home or custodial care facility. LTCI will pay for a nurse, nurse's aid or professional caregiver to come to their home and care for them LTCI is for some people, ANTI-Nursing Home Insurance, because it will keep you out of the rest home and in YOUR HOME. Numerous carriers issue LTCI. The same coverage that will cost one individual $3,000 year. may cost another person, the same age, $4,000. Some carriers cater to very healthy people by charging them comparatively low rates for LTCI. The same carriers that charge the lowest rates for very healthy people often charge comparatively high rates for people with average or poor health. We go to other carriers for people with average or poor health. The carriers that offer the best deals for people of average or poor health, often charge higher rates for very healthy risks. This is why one carrier doesn't fit all. If you'd like to get a free, no-obligation quote, call Robert Lehrer or Howard Sidman at (818)708-7566 or,
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