Free Online Long Term Care Insurance Quotes

Long term care insurance helps provide for the cost of long-term care beyond a predetermined period. Long Term Care Insurance covers care generally not covered by health insurance, Medicare, or Medicaid. In the United States, two types of long term care policies are currently being sold: Tax Qualified and Non-Tax Qualified. The Non-Tax Qualified (NTQ) was formerly called Traditional Long Term Care insurance. It often includes a "trigger" called a "medical necessity" trigger. This means that the patient's own doctor, or that doctor in conjunction with someone from the insurance company, can state that the patient needs care for any medical reason and the policy will pay. The Tax Qualified (TQ) long term care insurance policies do not have a Medical Necessity trigger. In addition, they require that a person be expected to require care for at least 90 days, and be unable to perform 2 or more activities of daily living (eating, dressing, bathing, transferring, continence) without substantial assistance (hands on or standby) and that a doctor provides a Plan of Care; or that for at least 90 days, the person needs substantial assistance due to a severe cognitive impairment and a doctor provides a Plan of Care. Benefits are non-taxable.

Searching for suitable Long term care insurance providers is made all the easier these days with the power of the Internet. All you need is a computer and a reliable Internet connection and you're all set. Getting information on Long Term Care Insurance is facilitated even more since practically every long term care insurance company nowadays has a website. Not only that, you can read the feedback, recommendations, and criticisms from insurance companies' subscribers through forums and electronic bulletin boards.

Before purchasing a long term care insurance policy, be sure to compare benefits and rates from various different companies. It's important to look for a policy that is affordable and yet offers enough benefits to help you when you need it most. You also want to buy your policy from a company you can trust, so you know they'll be there when you need them most. From our web site, you can get free long term care insurance quotes from all the top insurance companies in USA. It is fast and easy for you to compare them online..