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When should I get long term health insurance?

A brief overview...
  • The suggested age for long-term health insurance is 50 plus
  • Your health is a commodity and will benefit you the older you get
  • There is more to research than a few quotes and more to know than quick tips

It is suggested that a person in their mid-50s are prime to be in search for long-term health insurance. Your health is considered the top priority and priceless. In long-term health insurance, you are banking on the well-kept health because the older you get, the more health becomes a commodity.

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Why the Age of 50?


Fifty-years-old is the jumping off point where insurance companies are evasive when it comes down to long-term care. The condition of your health plays a major factor and why it should be considered a commodity. You are betting on yourself.

There are important aspects of long-term health insurance you must keep in mind.

Without a doubt, the better your health, the better the insurance. Discounts often are offered to those with excellent health.

By using your good health, shopping and comparing prices is always an important aspect of researching what insurance is best for you.

Keep in mind that every insurer has their own policy and procedures regarding particular medication, even medication that seems familiar. By speaking to long-term health insurance specialist agents and acquiring quote and fact, you are investing in your health for the remainder of your life. Research and find that perfect fit, so there are no future worries if you fall ill or have an accident.

Because of new healthcare laws, if you were turned down several years ago for a long-term health insurance plan, this would be the time to reapply. With statutes and government mandates, preexisting conditions are no longer a disqualifier. Make the rounds, again, and you may find a surprise hidden in quotes and an array of policy options.

While researching, you may find that discounts decline as you age and declined entirely the older you are. The sooner you obtain long-term health insurance, the better. The discounts and premiums differ from insurer to insurer which is why doing the rounds of quotes, and expert agents are necessary.

Premiums rise dependent on your age. For every birthday, expect them to continue to go up. The percentages are dependent on the insurer which is why having this list of questions is pertinent to getting the best long-term coverage. It is reasonable to know how high the premium will go when you turn sixty, or even seventy. Information is valuable.

What to Consider


At the age of fifty, retirement is either close or has already occurred. By consulting with multiple agents and financial planners, you are able to better pair your retirement plan with your long-term health care. It is a great time also to question the scale of premium percentages the older you get.

Consider making lists. That includes existing budget, health issues, and especially questions that you make have for an agent or company regarding your health plan. There are no stupid questions.

You may find that you cannot afford the top long-term insurance plan, however, having one is better than not. If you find you cannot make premium payments, you will lose your investment. Also keep your budget in mind so that you do not find yourself without long-term health insurance nor do you lose the money you have invested.

Do not keep your policy a secret. You should scan or make copies of the documents and give them to a family member or friend in which you trust. You may want to consider this being the same person you name as a future advocate, both in healthcare and financially.

If you are married or in a civil union, consider looking for policies that cover both of you. It is not only cheaper in some cases; the rising premiums may do so at a slower rate. Also, because life-term health insurance is an investment, the person you love will have the leverage to continue their quality of life.

Potential Disqualifiers

There are disqualifiers. However, you can still appeal and question any unpaid portions of your insurance claim. If you are already using long-term care, it may disqualify you from many policies.

If you already have an at home nurse or assistant, you may not be eligible. Preexisting AIDS can be a reason to deny a request for a policy. Also, some mind-diminishing illnesses are in the realm of possible denial. Recent strokes may also fall into the category of factors that may make it difficult to acquire a long-term health insurance policy.

What You Need to Know While Policy Shopping


Policies differ drastically. Both in payout and premiums, the range, is wide. A long-term insurance specialist works for a wide variety of companies that should be on the list of who to consult.

If your budget is tight or fluctuates, your state may offer a LTC partnership program. The guide will explain if you invest in a long-term care health policy approved by your state Medicaid program, you can protect a set amount of assets from Medicaid equal to the benefits of your policy.

Healthcare is tricky and gets trickier the older you get. As to repeat an old sentiment use earlier, there are no stupid questions, especially when it comes to long-term life plans.

Planning ahead is essential and do not let it overwhelm you. Long-term health insurance is an investment, and your health is the commodity, and both should be used to ensure the quality of later life.

Find long-term health insurance by comparing quotes; enter your zip below to compare today!

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