tag:blogger.com,1999:blog-2896211484949004004.comments2023-08-12T01:03:19.292-07:00Senior In-Home Care ClubMarthahttp://www.blogger.com/profile/07868218645385146890noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-2896211484949004004.post-4775223901018617082015-01-26T19:48:21.205-08:002015-01-26T19:48:21.205-08:00This was a really interesting article. I wonder wh...This was a really interesting article. I wonder why more senior citizens aren't worried about long term health care. Like the article says, it is definitely something they should be thinking about. I wonder what concerns my grandparents would list if they were asked what they were most concerned about right now. I hope that elderly health care would be on their list. They are reaching a point where they are going to need aid from others.<br />Emily Smith | <a href="http://comforcare.com/california/alameda" rel="nofollow"> http://comforcare.com/california/alameda</a>Anonymoushttps://www.blogger.com/profile/00348730682491900263noreply@blogger.comtag:blogger.com,1999:blog-2896211484949004004.post-6802037580592903612009-01-02T09:51:00.000-08:002009-01-02T09:51:00.000-08:00It has been mistakenly called "nursing home insura...It has been mistakenly called "nursing home insurance". I read recently that less than 37% of claims on long term care policies are for nursing homes. More than 63% of claims are for home healthcare and community care.<BR/><BR/>Also, nearly every long term care policy sold since the mid-90's requires that the full benefits be available for someone who needs care because of dementia or Alzheimer's. Some of the policies sold in the 80's and early 90's sometimes had restrictions on the benefits if someone had Alzheimer's or dementia.<BR/><BR/><BR/>The funny thing about long term care insurance is that the price of a policy can vary a lot from one insurance company to the next. Each long term care policy has a different way of charging premium based upon health history, marital status, choice of benefits, and even state of residence. It pays to shop. <BR/><BR/><BR/>What most people don't realize is that group long term care insurance policies are usually more expensive and have less benefits (particularly less benefits for home healthcare) than individual policies. It pays to shop and compare all types of insurance, but especially long term care insurance.<BR/><BR/>Scott A. Olson<BR/><A HREF="http://www.LTCInsuranceShopper.com" REL="nofollow">www.LTCInsuranceShopper.com</A>Scott A Olsonhttps://www.blogger.com/profile/12244241218531636765noreply@blogger.com