Long Term Care Insurance (LTCI)

"Nothing is more preventable than the swift and total financial devastation that comes from a Long Term Care Stay," writes financial expert Suze Orman in You've Earned It, Don't Lose It.

Long Term Care America assists families and employers seeking information on Long Term Care Insurance (LTCI), a financial product that protects your family's assets during a long-term care situation.

LTCI Information Videos

• Is Long Term Care Insurance for Me?
• Will the Government Pay for My Long Term Care?
• Will the Problem Simply Go Away?
• Should I Self Insure and Should I Wait?
• Designing the Right Long Term Care Insurance Coverage for Me.
• Choosing the Right Insurer and Agent.
• Avoding the Common Pitfalls.

The above videos require QuickTime Movie Player. The QuickTime Player may be downloaded for free from Apple.

This site features a Long Term Care Insurance Health Pre-Screener, which would not affect a coverage decision, but would give you an idea of the screening. If you are declined coverage, it generally makes obtaining LTCI extremely difficult. You must apply the first time to an insurer who wants your health.

This site also includes a listing of the "Top Ten" active individual LTCI insurance companines. These 10 companies are routinely written about in Forbes, Business Week, Money and Kiplinger's Personal Finance. The "Top Ten" insure more than 56% of the Long Term Care policies in force.

Please look over the information on this site and then fill out our free health screen questionnaire, which will result in a free pricing estimate. A licensed agent will call you with the results of your pre-screen profile. A more in-depth analysis of your LTCI health qualifiers can be ordered for a fee from our underwriting staff if needed.

You will also find Long Term Care Insurance Resources, which you can read online, download in Acrobat Reader (.pdf) format or order from our LTCI online store.