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American Association For Long-Term Care Insurance ================================================= Advocacy • Information • Education • Standards ----------------------------------------------
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Sell Long Term Care Insurance Long-Term Care Insurance Marketing and Sales Tools E & O Coverage for LTCi Producers CLASS Act Health Care Reform - Latest info on CLASS Act part of health care reform law signed by President ObamaClick Here Now NATION'S LEADING LTCi SALES CENTER - Insurance professionals can listen to free audios, download free marketing tools.Click Here Now Consumers looking for information can get free access to nation's leading LTC experts. Request costs, advice and information.Click Here Now The most comprehensive source of information on long term health care from the industry's organization. Visit our LTC Learning Center. Click Here Now LTC INSURANCE SALES ACHIEVEMENT AWARDS - Enter now (before Feb. 28, 2010) to be published.Click Here Now Best buy long term care insurance. Free quotes from multiple providers, no obligation.Click Here Now Tax deductible long-term care insurance. 2010 IRS limits and State rules.Click Here Now Ratings for leading long term care insurers Find ratings for leading LTC insurers.Click Here Now Long-Term Care Insurance Professional Designation - LTCPClick Here Now Errors & Omissions liability protection (E&O) for long-term care insurance agentsClick Here Now Long-Term Care Insurance Informational Blog for consumers and insurance & financial professionals written by Jesse Slome, Executive Director of AALTCI Click Here Now Long-term care insurance videos, television news, claimants' storiesClick Here Now Learn about critical illness insurance from the American Association for Critical Illness InsuranceClick Here Now Find A Local Long-Term Care Insurance Professional Link to request a no-obligation Long-Term Care Insurance quote Long-Term Care Alerts
Chronically Ill Older Adults Rely On Others For Care April 15, 2010. Nearly four out of 10 chronically ill older adults in the U.S. live alone. According to a new report, a majority of those who are married have spouses with at least one chronic illness that can affect their ability to provide support.
--------------------------------------------------------------------- New, Low Cost Way to Predict Alzheimer’s Disease
April 11, 2010. Your brain’s capacity for information is a reliable predictor of Alzheimer’s disease and can be cheaply and easily tested. According to scientists a low-cost behavioral assessment can clue someone in to Alzheimer’s disease at its earliest stage. The experts report the ability to detect changes in the progression of mild cognitive impairment (MCI). ---------------------------------------------------------------------
Being Overweight Increases Stroke Risk April 9, 2010. A new study including nearly 2.3 million people confirms that excess weight increases stroke risk. And the heavier a person is, the greater their risk. Being overweight puts an individual at significantly higher risk of ischemic stroke, with a serious possibility of permanent disability
--------------------------------------------------------------------- Aging Motorcyclists At Risk Of Accidents
April 7, 2010. Motorcycle riders across the country are growing older, and the impact of this trend is evident in emergency rooms daily. Doctors report finding that these aging road warriors are more likely to be injured or die as a result of a motorcycle mishap compared to their younger counterparts. ---------------------------------------------------------------------
Self Administered Tests Could Screen Early Dementia Risk April 5, 2010. A new self-administered test to screen for early dementia could help speed the diagnosis and subsequent treatment of memory disorders, including Alzheimer’s disease. The handwritten self-assessment takes less than 15 minutes to complete and is a reliable tool for evaluating cognitive abilities.
--------------------------------------------------------------------- See All Archived Alerts »
Cartoon of The LTC Answer Guy in a booth waiting to answer your questions ONLINE INSTANT CHAT WITH THE LTC ANSWER GUY Jesse Slome, Executive Director of the Association. Available 8am-4pm Pac. Time. Click Here to start chat.
Q. How do I get the best rates for long term care health insurance? Click on the link above and contact a LTC professional in your area. Or look at our consumer information center. Q. Does LTC insurance pay for home care? Most policies sold today do. And 43% of LTC benefits paid last year went for home care; 33% for assisted living and 24% for nursing home care.
Q. Doesn't Medicare pay for long-term care? That's one of the biggest misconceptions. It pays very little, only for short periods if you meet rigid criteria. Let a LTC professional explain how long term care health insurance dovetails with limited Medicare benefits. Q. What happens if my long-term care insurance company fails? Each state has a guarantee fund paid for by insurers that protects consumers from $100,000 to $500,000. (Similar to the FDIC) We'll post more in the Consumer Information Center.
Q. Is long term care insurance tax deductible? LTC insurance may indeed be tax deductible, and business owners have most favorable tax advantages. There's good info inside our Consumer Information Center. Q. How do LTC Partnerships work? If your state has approved a long term care insurance partnership program, you should speak with a local pro who has completed the required training. Rules vary by state and they can best address your questions.
Read All Questions Learn About Long-Term Care Insurance ------------------------------------
Americans are living longer and chances are you'll live well into your 80s, your 90s and possibly even longer. When you live a long life, the probability you'll need long-term care is greatly increased. But, younger people also need this type of care as a result of accidents or illnesses.
Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group insurance. For seniors on Medicare, the long-term care benefits are quite limited -- especially compared to the potential cost of a debilitating disease like Alzheimer's or just the greater need for months or years of care that occurs as we age. That is why a growing number of Americans have purchased long-term care insurance that pays for home care, for assisted living or for care in a nursing home. Some 8.25 million Americans have this protection obtained either on an individual basis or through a plan offered by their employer, a group or association they belong to.
The American Association for Long-Term Care Insurance was established to help educate individuals about this important issue and to support insurance and financial professionals who market this protection. Our Consumer Information Center offers the most current information on coverage including costs and prices, ways to reduce the cost, tax deductibility rules and listings and ratings for leading long term care insurance companies. Insurance and financial professionals can access marketing and sales information from leading industry experts.
Association News Study: Group Employer-Sponsored LTC Insurance Buyers
April 12th, 2010 Findings of study, 2009 buyers of employer-sponsored long term care insurance.
Study Examines Private Home Health Care Utilization March 31st, 2010
Home health care utilization by individuals who pay privately or use insurance benefits. Study: Individual Long-Term Care Insurance Buyers
March 15th, 2010 Summarized key findings of study of 155,000 individual buyers.
2010 Long Term Care Insurance Sales Achievement Awards January 12th, 2010
Enter and be recognized, published as leading LTC expert. Deadline: Feb. 28, 2010. 2010 Tax Deductible Limits For Long-Term Care Insurance
October 20th, 2009 The Internal Revenue Service has announced increased deductibility levels for long-term care insurance policies purchased in 2010.
See All Archived Association News » Free Long Term Care Insurance Quotes - Advice On Long-Term Care Planning ---------------------------------------------------------------
The three questions we are asked most often is, how much does coverage cost, are there ways to save and what's the best age to start planning? Costs can vary quite significantly depending on your age when you apply, your health when you apply and how much coverage you want. Costs can also vary from one insurer to another--by as much as 80 percent per year.
Taking advantage of discounts and savings can make your long-term care insurance far more affordable than you think. For example, discounts are offered when two spouses apply. Some insurers will offer discounts to partners living together or a partial discount when only one person is covered. Again, the discounts can vary from one insurer to another. There are ways singles or those living alone can reduce the cost. Each year the Association surveys insurers to determine ages for those purchasing coverage. For individuals purchasing coverage, some 5% did so between ages 35 and 44. Some 24% between ages 45 and 54. Some 53% between ages 55 and 64. The rest, 16% were age 65 or older. Costs increase based on your age. But the ability to health-qualify is what matters most.
The American Association for Long-Term Care Insurance does not market or sell insurance but our members do and we strongly encourage you to contact one in your area or to fill out or free quote request so that one may connect with you. They can provide you with information, advice on planning and costs for insurance coverage -- without any obligation. We believe it always pays to speak with a professional because: Costs for long-term care insurance can vary among insurers, Discounts can vary from one insurer to another, Acceptable health conditions can vary, Covered care and policy benefits can vary.
There is a wealth of information available on the Association's website. But nothing can ever replace speaking directly with a knowledgeable professional. Copyright © 2009 - 2010 AALTCIPrivacy Policy Legal Notice Site Map Members Only Contact Us Home LTC Blog LTC YouTube CI Insurance
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