Authentic Mike McGlinchey Jersey

Authentic Mike McGlinchey Jersey

Beitragvon chunshu00 » Sa 29. Jun 2019, 08:46

Here's the good news: with improvements in medical technology and healthier lifestyles, people are living longer. Life expectancy today has increased to 83 years Authentic Mike McGlinchey Jersey , up from 78 years in 1940 (The Shopper's Guide to Long-term Care Insurance from the National Association of Insurance Commissioners).

However, the longer people live, the greater the chances they will need assistance due to chronic health conditions. Today, about 12.8 million Americans of all ages require some type of long-term care (National Academy on Aging Authentic Kwon Alexander Jersey , 1997). This number is expected to climb as the baby boomer generation moves into retirement. Over a lifetime, nearly 50 percent of all people will require some type of long-term care assistance.

One way to pay for some or all of your long-term care expenses is insurance. First introduced in the 1980s, long-term care insurance was originally designed as nursing home insurance. Today's long-term care policies now cover much more. They include home health care, assisted living facility care Authentic Dee Ford Jersey , adult day care, Alzheimer's facility care, respite care and hospice care.

So how does long-term care insurance work? Long-term care insurance is not health insurance, and long-term care expenses are not covered under private health insurance Authentic George Kittle Jersey , Medicare or Medicare supplement policies.

However, long-term care insurance is similar to health insurance in that an individual must apply for coverage by going through medical underwriting. The insurance company decides whether to offer long-term care coverage based on your current health conditions and age. In most instances, a person's medical records will be reviewed by the insurance company. Additionally, some applicants may be required to have a face-to-face or a telephone interview. Not everyone is insurable. People who already have health problems are likely to need long-term care but won't be able to buy a long-term care insurance policy. Your money may pay for long-term care insurance coverage Authentic Jimmy Garoppolo Jersey , but it's your health that buys it.
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