http://www.affsphere.com/ Most Viewed Category http://www.affsphere.com/Education/What-Age-Should-I-Consider-LongTerm-Care-Insurance-1.html http://www.affsphere.com/Education/What-Age-Should-I-Consider-LongTerm-Care-Insurance-1.html Long-term care insurance is a very important part of ensuring you have a future that does not leave your family struggling to pay your bills at the nursing home. Getting that insurance means you are taking the initiative and thinking ahead, which is an excellent quality in an individual. However, many potential long-term insurance individuals do not always know when they should consider getting long-term care insurance. So, when should you think about making the commitment? Tue, 11 Nov 2008 23:32:37 EST http://www.affsphere.com/Education/The-Difference-Between-LTC-Insurance-and-LongTerm-Disability-1.html http://www.affsphere.com/Education/The-Difference-Between-LTC-Insurance-and-LongTerm-Disability-1.html There is often a degree of confusion when individuals are dealing with long-term care (LTC) insurance and long-term disability coverage for obvious reasons. The average consumer can be forgiven for confusing the two forms of insurance, but it is important the difference is known to ensure that you do not get something which may not apply to what your long-term needs are. Wed, 12 Nov 2008 00:22:53 EST http://www.affsphere.com/Education/Long-Term-Care-Insurance-Quote-Six-Important-Factors-to-Consider-1.html http://www.affsphere.com/Education/Long-Term-Care-Insurance-Quote-Six-Important-Factors-to-Consider-1.html A long-term care insurance quote is based upon many factors. You will want know these factors and this article will give you six key points to explain some of those factors. When you receive an ltci quote, it is going to be contingent upon what you want out of the policy regarding benefits levels and where you are in your life age-wise. Using the information in this article will allow you to be a smart consumer. Thu, 13 Nov 2008 01:20:23 EST http://www.affsphere.com/Education/Long-Term-Care-Insurance-For-Me-1.html http://www.affsphere.com/Education/Long-Term-Care-Insurance-For-Me-1.html Who knows what the future will hold for us. A simple drive through the city can turn into a serious car accident that leaves you in need of long-term care for the rest of your life, depending on how circumstances fall into place. Many people understand that the worst can happen in life, but few actually prepare for it. If you do want to prepare for the possibility, there is nothing better you can do than purchase long-term care insurance. Wed, 12 Nov 2008 19:33:00 EST http://www.affsphere.com/Education/Long-Term-Care-Insurance-Six-Things-You-Must-Know-1.html http://www.affsphere.com/Education/Long-Term-Care-Insurance-Six-Things-You-Must-Know-1.html When looking at a long term care insurance quote, there are many factors which can determine the cost to you. This article will give you six important points you should consider when looking at a ltci quote. Much of this is determined by type of benefits you want, your age, and which company you want to work with. This will allow you to be an educated consumer when purchasing this insurance product. Thu, 13 Nov 2008 00:57:47 EST http://www.affsphere.com/Education/Using-LongTerm-Care-Insurance-with-Reverse-Mortgages-1.html http://www.affsphere.com/Education/Using-LongTerm-Care-Insurance-with-Reverse-Mortgages-1.html Are you approaching retirement and faced with the question of how to pay expenses if you cannot take care of yourself? Do you worry about the possibility of your children having to pay the cost of care? You are not alone. Across America there are millions of seniors faced with these questions. Some are taking action. It is coming down to two main options. You can go with a long-term care insurance policy, this will help cover some of the cost of a long-term care event. The other option is a reverse mortgage. The option of a long-term care policy and a reverse mortgage can play an important role in planning for a long-term care event and provide peace of mind. Thu, 13 Nov 2008 20:00:47 EST http://www.affsphere.com/Education/Long-Term-Care-Insurance-Can-I-Deduct-Any-Of-My-Premiums-1.html http://www.affsphere.com/Education/Long-Term-Care-Insurance-Can-I-Deduct-Any-Of-My-Premiums-1.html When tax season comes, all anyone seems to talk about is deductions. Not surprisingly, one of the most common questions about long-term care insurance premiums is "Can I deduct them?" Tue, 11 Nov 2008 18:51:31 EST http://www.affsphere.com/Education/Things-You-Need-To-Know-About-LTC-Insurance-1.html http://www.affsphere.com/Education/Things-You-Need-To-Know-About-LTC-Insurance-1.html A long-term care insurance quote is based upon several things. You will want know these and this article will give you six key points to explain some of those factors. When you receive an ltci quote, it is going to be contingent upon what you want out of the policy regarding benefits levels and where you are in your life age-wise. Using the information in this article will allow you to be a smart consumer. Wed, 12 Nov 2008 17:57:59 EST http://www.affsphere.com/Education/Planning-For-LongTerm-Health-Care-1.html http://www.affsphere.com/Education/Planning-For-LongTerm-Health-Care-1.html The future is uncertain and anything can happen. You may live a long and healthy life, only to die at the age of 102 while you are out on your daily jog, or you may suffer a stroke at the age of 62 and require long-term care to help you accomplish your daily activities. As a result, you need to start planning for long-term health care to ensure you do not suffer from an unexpected event that could leave you as a financial burden on your family. Wed, 12 Nov 2008 19:04:18 EST http://www.affsphere.com/Education/Six-Things-You-Need-to-Know-about-Ltci-and-Maximum-Policy-Value-1.html http://www.affsphere.com/Education/Six-Things-You-Need-to-Know-about-Ltci-and-Maximum-Policy-Value-1.html When you get a long term care insurance quote you need to consider the maximum policy value associated with this. Many people don't understand this type of policy nor do they think they need it. Tue, 07 Oct 2008 15:27:27 EDT