Pennsylvania Long Term Care Insurance

Although people are generally living longer, many are
requiring assistance in their later years. Long term
care services can be provided in your home, in an
assisted living facility or in a nursing home. In many
cases the family is no longer able to provide such care
around the clock. Family members may not live
nearby, they may have other pressing family
commitments, or simply can't get the time off from
work or away from the home.

According to recent data, 48.6% of people age 65 and
older may spend some time in a nursing home and
71.8% of people age 65 and older may use some form
of home health care.

Some people can pay the bill out of pocket, others will
qualify for Medicaid (welfare), but most of us will fall
somewhere in the middle. A Pennsylvania Long Term
Care insurance policy can help protect your assets
from the rising cost of care.

Long Term Care insurance is often referred to as
"asset protection." Individuals need to have assets
worth protecting in order to justify the purchase of a
policy. If you are able to pay Long Term Care
insurance premiums without having to change your
lifestyle - you should transfer that risk to the
insurance company.

We are a local Allentown, PA insurance agency offering affordable long term care insurance
policies to residents of the following Pennsylvania cities and counties: Emmanus,
Hellertown, Whitehall, Cetronia, East Texas, Lanark, Dorneyville, Wagnersville,
Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North
Catasauqua, Stroudsburg, King of Prussia, Springfield, Woodlyn, Chester, Norwood, Ridley
Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon, Upper
Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim
Gardens, Colwyn, Lester, Essington, Eddystone, Landsdowne, Fernwood, Milbourne,
Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley,
Bala-Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph
Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport,
Norristown, Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley,
North Hills, West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park,
Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook,
Jenkintown, Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony,
Kensington, Feltonville, Frankford, Olney, Andalusia, Cornwells Heights, Bridgewater,
Croydon, Bensalem, Nottingham, Bristol, Edgely, Newportville, West Bristol, Strafford,
Devon, Berwyn, Port Kennedy, Newtown Square, Gradyville, Cheyney, Concordville,
Narberth, Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York,
Reading, Bethlehem, Pottstown, Coatesville, Kulpsville, Warminster, Montgomeryville,
Levittown, Valley Forge, Malvern, Green Tree, Paoli, Devault, Chatwood, Goshenville,
Sugartown, Glenloch, Chester Springs, Audubon, Eagleville, Evansburg, Worcester, Blue
Bell, Center Square, Fort Washington, Doylestown, Chalfort, Quakertown, Perkasie,
Sellersville, Soudertown, Willow Grove, Warrington, Morrisville, Ambler, Lower Gwynedd,
Washington Crossing, New Hope, Richboro, Feasterville, Southampton, Langhorne,
Holland, Newtown, Yardley, Philadelphia County, Delaware County, Montgomery County,
Chester County, Bucks County, York County, Northampton County, Berks County,
Lancaster County, and Lehigh County, PA. We can also offer long term care insurance
policies throughout Pennsylvania, including the Philadelphia area.

Three Types of Long Term Care

Insurance Policies

Facility Only: Will pay benefits for care in a nursing
home, assisted living facility or board and care facility.
It's the most basic policy but often the most needed
type.

Home Health Care: Will pay benefits for care in your
home, but not in a facility. The preferred policy when a
home health care situation is possible.

Comprehensive: Will pay benefits for care in your home or in a
facility. This is the preferred type of plan (policy) because of it's
flexibility, but is also the most expensive.

A long term care insurance specialist will assist you in deciding
which type of policy will work best for your needs.

More Information on PA Long Term Care Insurance

Click on the link below to fill out a quote request form for a Pennsylvania
long term care insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or you can speak with our
Pennsylvania Long Term Care Insurance specialist, John Christianson
at 484-221-8598 to discuss the features.

Click here to fill out a Pennsylvania Long Term

Care Insurance policy quote request form

Benefit Limit: The number of years that a plan will pay a benefit from the time
you get sick. Benefit limits generally vary from one year to lifetime coverage.
The longer the benefit limit, the greater the protection but the higher the cost.

Inflation Protection: Sometimes called an "inflation rider", this provides you
with a way for your daily benefits to increase over time. Otherwise, the policy
may not be sufficient to protect you many years from now. Long term care
insurance policies normally contain riders offering automatic daily benefit
increases of 5 percent each year, either at "simple" or "compounded" rates.

Elimination Period: Amount of time that you agree to pay out of your own
pocket before the plan (policy) begins to pay. This period normally varies from
0 to 100 days. The 100-day elimination period will produce the smallest
premium cost to you.

Daily Benefit: The maximum amount a policy will pay for one day of care. This
can vary from $50 per day to over $400 per day. You will decide whether to
purchase sufficient insurance to cover all of these costs or only most of them.

Long Term Care Insurance Policy Premiums

Long Term Care Insurance Features

Long Term Care Insurance Facts & Costs

Stable Premiums: Premiums that will not be influenced by any change
in your age or health, and will not change during the life of the policy.
Insurance companies do reserve the right to change rates on a statewide
basis.

Guaranteed Renewable: The insurance company can't cancel the long
term care insurance policy unless you fail to pay the premium.

Covers Mental Conditions: Covers mental and nervous conditions due
to any organic brain disease, including Alzheimer's Disease.

Exclusions: Exclusions should be minimal and should not adversely
affect your stated insurance protection goals.

No Pre-Existing Conditions: All previous medical history admitted on the
long term care insurance application and is approved for a policy, is of no
consequence in the future.

Waiver of Premium: The insurance company allows you to stop paying
premiums once you've begun receiving benefits. There can be waiting
periods of up to 90 days before this waiver takes effect, and it may not be
available when home health care is purchased.

In choosing a Pennsylvania long term care insurance policy you
should consider the features listed below.

No matter what age you are now, it's doubtful that you will pay more over your
entire life in total premiums for long term care insurance than you would pay
for only a one year stay in a nursing home.

The cost of nursing home care has risen at an average rate of 7% per year for
the last 15 years. Today's average cost of care in Pennsylvania is about
$141,000, but inflation rates will propel this cost much higher. An average
inflation rate of 6% over the next twenty years would more than triple the cost
of nursing home care.

Medicare pays for less than 10% of all nursing home costs.

Over 50% of the U.S. population will require long term care at some point.

38% of the 13.5 million Americans currently receiving long term care are
between the ages of 18 and 64.

More than 76% of people receiving long term care, receive it in their home
or in other community environments.

Facts

Type of Policy: Facility, Home Health Care, or Comprehensive

Age: The most important element in determining the premium. Naturally the
earlier you start paying for long term care insurance the better.

Long Term Care Insurance (Nursing Care)

There are three levels of nursing care that are covered by a Pennsylvania
long term care insurance policy:

Custodial care: Care necessary due to a permanent or chronic illness or
injury, which is less intensive, but which may continue indefinitely. This
nursing care helps a person perform activities of daily living or supervises a
person if cognitive impairment exists. Many custodial care situations start
with a mild degree of illness which is followed by slow deterioration.
Alzheimer's disease is one example where custodial care is usually
needed. Other types of insurance policies do not offer custodial care
benefits. The value of long term care insurance for you or a family member
and protecting a lifetime of created assets is never more evident than in
custodial care nursing services.

Skilled care: Short term nursing care needed after an illness or serious
injury. Consists of rehabilitative and intensive 24 hours per day care.

Intermediate care: Rehabilitative care by a nurse for up to six months
and when less than 24-hours per day supervision is needed.

Skilled care: Short term nursing care needed after an illness or serious
injury. Consists of rehabilitative and intensive 24 hours per day care.

There are 6 primary factors influencing the premium

for long term care insurance policies:

Costs

Click here to fill out a Pennsylvania Long Term

Care Insurance policy quote request form

Click here to fill out a Pennsylvania Long Term

Care Insurance policy quote request form

Click on the link below to fill out a quote request form for a Pennsylvania long
term care insurance policy that provides excellent health insurance coverage
and services at an affordable cost. Or you can speak with our Pennsylvania
Long Term Care Insurance specialist at 484-221-8598 to discuss the features.

Click here to fill out a Pennsylvania Long Term

Care Insurance policy quote request form

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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.