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Home / Long term care insurance / Things to Consider When Purchasing Long Term Care Insurance

Things to Consider When Purchasing Long Term Care Insurance

April 20, 2011 by Sinclair Prosser Gasior

Long term care insurance can be a beneficial investment that helps you plan for the future.  With this type of insurance your needs can be much more affordable in the event that you require ongoing medical care.  If you’re thinking about purchasing a long term care insurance policy, you will want to make sure that you choose a policy that meets and will adapt to your circumstances.

Take a look at the tips below.  If you have any questions about long term care insurance, consult with an experienced estate planning attorney.

  1. Research different providers and policies.  You’ll want to make sure that you choose a provider and policy that fits your individual needs.  Do your research to make sure that you are making the right choice for yourself and your family.  Ask questions to be sure you are aware of the policy’s terms.
  2. Make sure that your policy is affordable.  Choose a policy that has affordable premiums.  You’ll want to make sure that you’re able to continue making payments even after your retire.  You may be able to choose a payment option that allows you to pay a little bit more or less in a few years.
  3. Understand all aspects of your policy.  Before agreeing to purchase, you’ll want to understand your individual policy so that you don’t have problems down the road.  This includes making sure that your policy includes certain illnesses and types of coverage such as in-home care, for example.
  4. Consider shopping around for long term care insurance with the help of your estate planning attorney.  You can benefit from the experience and knowledge of professionals. Your estate planning attorney can also discuss the financial aspects of paying for your insurance based on your assets and the planning you have in place.

Are you thinking about investing for your future care?  If so, consider purchasing a long term care insurance policy.  If you have questions about your long term care insurance needs, consult with a qualified estate planning attorney.

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Sinclair Prosser Gasior
Sinclair Prosser Gasior
Our firm is dedicated to providing you with quality estate planning resources, so you can become familiar with all of the existing options. When you visit or call our office, we want you to feel comfortable discussing such an important issue concerning both you and your family. We want to arm you with the information you need to make an informed decision about your family’s future.
Sinclair Prosser Gasior
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