Long Term Care Insurance Plans

American Benefits Insurance, a Dallas Texas based firm, specializes and respresents many companies providing Long Term Care Insurance Plans. In a few short questions, we can determine which Long Term Care Insurance Plan plan would work best for you. We are based in Dallas, Texas but can provide Long Term Care Insurance Plans nationwide; call us today (877) 702-3522, a representative would enjoy hearing from you.

The lifetime probability of becoming disabled in at least two activities of daily living or of being cognitively impaired is 68% for people age 65 and older. More than two-fifths (42%) of people age 65 and over reported functional limitation. The cost of a nursing home stay could range from $30,000 to more than $50,000 per year.  Depending on the services needed and the cost in your area, average daily rates might range from $90 to more than $150 per day.

Long term care insurance plans differs from traditional medical care.  Medical care treats physical problems directly in an attempt to permanently cure or control them.  Long term care insurance plan services help a person maintain his or her ability to function, perform normal daily activities, or maintain a normal lifestyle.  Services include personal assistance and skilled care that may be provided in your home, an adult day care center, a nursing home, or an assisted living facility.

When it comes to planning for your long term care needs, you have choices. The choice to remain independent and receive quality care in your home. The choice not to burden your family or friends with the responsibility of caring for you.  The choice to keep a lifetime of savings intact for the things you really want to do.  Long Term Care insurance plan can help ensure these choices remain yours to make.

Long gone are the days when long term care insurance meant you had to go to a nursing home.  Today, you can receive the care you need in your own home.  Maybe you’ll need help with day to day activities, like shopping and meal preparation, personal services, like bathing, dressing and moving about the house, or skilled care provided by the services you need in a setting that’s right for you.

There is no doubt long term care services are costly, and you have a choice when it comes to paying for the care you need.  You could use your own money and possibly depleting your savings.  You could apply for Medicaid, but you would have to spend down your assets to meet federal and state requirements in order to be eligible. Or you could purchase long-term care insurance.  LTC insurance is your best choice and can help assure you’ll have money available to pay for your care.  And that helps you spend your life savings on things you really want to do – traveling the world, pursuing your hobby or simply spoiling your grandchildren.

When you’re considering long term care insurance plan, it’s important to look for a company that is committed to the long term care insurance market.  It is also important to look for a company that is stable and financially sound.  American Benefits, a Dallas Texas based firm, can help find the provider that best suits your needs.  An American Benefit insurance agent can analyze your situation, whether you are in Dallas Texas or anywhere in the United States, discuss your long term care insurance plans options, answer your questions and help you choose a plan that’s right for you.

Eligible Ages - vary from carrier to carrier or company to company..