We want to enable you to approach long term care planning with an understanding of whether insured coverage is right for you and, if so, to secure the appropriate coverage from an experienced and well-rated LTC insurer at an affordable cost.

To get you on your way toward understanding long term care planning, the following six articles have been drafted to help you establish important fundamentals.

• Basic Long Term Care Insurance Decisions
  Selecting appropriate coverage involves a process that must be comparative and basic decisions that should be grounded in common sense and pragmatism. This article is about that process and those decisions.
  
  
• Tactical Use of Long Term Care Insurance
  This article considers the impact of the Deficit Reduction Act of 2005 on long term care planning.  Temporary and Permanent approaches to the structuring of LTCI policies are examined as is the use of Shared Care benefits, each within the perspective of providing effective, appropriate and economical insured long term care planning tools.  A Shared Care Cost/Benefit Matrix is presented.
  
  
• Long Term Care Insurance - 7/06 Cost/Benefit Matrix Update
  Charts as of 7/07 the average annual individual cost with a spousal or couple's discount the preferred and standard rates of six major LTC insurers for various issue ages.
  
  
• Long Term Care: Fact & Fiction
  Sort out the facts about long term care benefits and costs. This article covers Medicare, Medigap and Medicaid in the context of long term care and provides basic information about insured long term care and an idea of the average cost for a basic set of benefits bought at ages from 50 to 80.
  
  
• Long Term Care: Insure or Self-Insure
  This article discusses the probability of needing long term care, the types of care and care-giving facilities available today as well as the range of costs required by those care resources, the benefits and costs for both privately insured and governmentally provided long term care, and some tax issues relevant to long term care insurance.
  
  
• LTCI Planning: The Value of Perspective
  This short article will help you gain a healthy perspective on long term care insurance planning process. It will also provide a variety of important guidelines.

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