Looking for affordable Long Term Care Insurance Rates? We can help.

LowMichiganRates.com will help you find cheap long term care insurance policy rates. Fill in your zipcode on the graphic below and hit the go button to get your free quotes.

If you are a baby boomer, you may be surprised to discover that Long Term Care expenses are not adequately covered by traditional medical insurance plans. Further, there are also restrictions on Long Term Care coverage under Medicare and Medicaid. If you require care in your home or in an assisted living facility, most likely you will need more or different coverage than what is provided by traditional medical insurance, Medicare or Medicaid. Long Term Care or LTC insurance can bridge this gap in coverage.

Long Term Care Insurance insurance provides payment for assistance if you need help with basic Activities of Daily Living (ADLs). ADLs include bathing, dressing or moving around your home. Long Term Care insurance would also usually cover degenerative conditions such as a stroke or cognitive impairment like Alzheimer's Disease. Long Term Care Insurance policies have evolved to cover assistance whether it is within your home, within a nursing home or within an assisted living facility.

Over seventy-five percent of Americans do not think they need long term care insurance. A recent study by the U.S. Department of Health noted that by the time people reach the age of sixty five, more than forty percent risk needing to live in a nursing home. If you nearing fifty years old, this means within the next decade there is nearly a fifty percent likelihood that you will need some level of Long Term Care. Poor exercise and eating habits or smoking can make matters worse. Long Term Care cost can exceed $300,000 and quickly consume your retirement savings. Long Term Care is not just for the elderly. While most people who need long-term care are age 65 or older, a person can need long-term care services at any age. Almost forty (40) percent of people currently receiving long-term care are between the ages of 18 and 64 years old.

If you are nearing your golden years, you should consider your Long Term Care insurance needs now. LowMichiganRates.com will connect you with experts that can discuss your long term care options and the best pricing for their policies.

We service customers in Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, Lansing, Flint, Kalamazoo, MI and other great cities in The Wolverine State helping them find cheap long term care insurance from award winning insurance companies. Our Michigan insurance agent and broker referral network can help you compare rates from the comfort of your home.