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	<title>Best Insurance Blog and Articles &#187; nursing homes</title>
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		<title>Who Needs Long Term Care Insurance (LTCI)?</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/long-term-care-insurance/who-needs-long-term-care-insurance-ltci/</link>
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		<pubDate>Thu, 28 May 2009 13:29:16 +0000</pubDate>
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				<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[insurance cost]]></category>
		<category><![CDATA[ltci]]></category>
		<category><![CDATA[nursing homes]]></category>

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		<description><![CDATA[Do We Need Long Term Care Insurance (LTCI)? Well, we usually think about car, home, health, and life insurance, but planning for time in a nursing home seems distant and unattractive. However, with the good news that Americans are living longer comes greatly increased odds that at least half of us will require extended nursing care at some point in our lives. What Does LTC Cover? This care could be in a nursing home, assisted living facility, home health care, or even care by a family member. Nursing homes can cost $4,000 a month, or more. Even if a family member cares for you, there will be associated costs like time from work or travel.  Either way, these expenses can eat up a lifetime of savings within months, and LTCI is a way to protect yourself, and your family, from this drain. How Much Does Long Term Care Insurance Cost? LTC policies differ, but some are flexible enough to cover any of those situations. A variety of waiting periods, maximums, and other features make the costs vary so much it would be impossible to give you the private long term care insurance cost in an article like this. In addition, [...]
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