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Long term care insurance is specially designed to provide a wide range of long term care services should you become unable to take care of yourself because of disability or prolonged illness. If you get LTC insurance, your company will pay for most services you will need, which may include assisted daily living, respite care, home health care, care in nursing homes, or adult day care.

Whether or not you should get yourself a long term care insurance will depend on various factors. It will depend on your overall health status, age, retirement plans, assets and income. If, for example, your income source will solely rely on Social Security of Supplemental Security, a long term care insurance may be too much of a financial burden. However, if you have assets of high value that you do not want to lose in case you will need long term care, an LTC insurance policy will be a wise decision. You will not only be helping yourself, but your family will benefit most.

There are different channels where you can purchase a long term care insurance:

• You can opt for individual LTC insurance. The policies and benefits will differ from one insurance company to another. It is best to do some comparison shopping before deciding on a good deal.
• If you are employed, a group LTC insurance plan is a very good option.
• Association policies are another good avenue to get a good LTC plan. Associations usually provide various options that you can choose from. Be very careful when choosing an association, and make sure you do not join just for the sake of insurance coverage.
• Your life insurance policy may offer long term care provisions. Consult with your local agent as to the availability of this rider. Make sure that you compare the benefits along with the premiums so that you get the best deal out of the investment.

Do not rely on your health insurance, on Medicare or Medicade to cover your long term care needs. They can only pay for a small percentage, and can only cover as much.