Long Term Insurance Company on Long Island
Most people are going to need some type of long term assistance in their lifetime and that care is usually very costly. Purchasing long term care insurance can help pay for the services you need while protecting your family’s finances. Health insurance won’t cover most of the expense of living in a nursing facility. Medicare only takes care of a small portion as well. Purchasing a long term care plan will help cover the cost of a nursing home, an assisted living facility or other types of treatment including at home care.
You should know that the cost of a long term care policy is based on several factors. Your age will play a big role because you will generally get better premiums if you are young and healthy. The terms of the policy are also important. The types of care that are covered by the policy will be spelled out.
The top amount the policy will pay and the maximum number of days or years the policy will pay out will also affect your premium as will any extra options you might add. 
Long term care policies can pay out different amounts for different services. For example, it might only pay $75 a day for at-home care, while paying out $150 a day for nursing home care.
You will qualify to receive your benefit when a doctor or medical professional certifies that you are unable to perform at least two activities of daily living (ADLs) without assistance. ADLs are common activities like bathing, dressing and eating.
You never know when you’re going to need long term care and if you need assistance sooner rather than later, that can put you and your family in a difficult financial situation. Having a long term care policy means you will receive your benefit as soon as you need it. Contact Blair Insurance to find a plan that’s right for you.