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I love sushi | When should you buy a long term care insurance policy? |
I am considering buying one for my parents, but I was just wondering what is the ideal age |
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Sweetkat
|
It depends on the age of your parents. As a professional in this field, I'd advise you to shop carefully and buy one for them if they are age 65 or over. The only exception is if they are younger and their health is getting poor. |
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Jason C
 |
A LTC policy is for protecting assets. If your parents have any sort of assets, it is probably a good idea. You should go see and expert locally who can do an analysis and build a policy around their needs. Try to find a referral from somebody you trust who has bought a policy before and ask them some questions.
As far as age goes, I don't know if there is an ideal age. Even w/ a LTC policy you can be uninsurable. So you risk them becoming uninsurable if you wait too long. |
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Melissa
 |
I don't know the professional answer to this question, but my own thought is that you need LTC insurance when you are at a point in your life when your spouse (or someone else) would not be able to care for you for an extended period if something were to happen, or if you couldn't go for more than 3 months without your income. It's thought of as insurance for the elderly but lots of younger people have issues that require long term care. Transplants, MS, diabetes, accidents can all rob a person of any age of their ability to care for themselves. The younger you buy it, the less the annual premium is. A good friend of mine's husband hit his head in a fall down basement stairs and she will have to care for him for life - they are relatively young. |
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JB1977
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You can purchase LTC insurance at any age. It all depends on what level of risk you are willing to take. I am in my 30s. My grandmother died in a Medicaid nursing home. My great-grandmather is in an assisted-living facility that her two daughters (my grandmother and great aunt) as well as my uncle are paying for. My policy is cheap. I'm 30, and my wife is 34, it is dirt cheap. I am running the risk that there could be a rate increase and I could pay all of that money and pass on after a short battle with cancer or an immediate heart attack. You can wait to purchase, but you run the risk of your health failing just enough that you cannot get a policy later in life. You have home owner's insurance, but you are 4% likely to have a fire in the home. You have car insurance, but you are 8% likely to get into an accident. You are 40% likely to need some form of LTC sometime after age 65. That number goes to 80% after age 75. Consult an agent who is CSA, CASL or at least CLTC in your area. They are certified in issues like these. |
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insuranceguytx
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There are a LOT more issues that come into play when considering LTC Insurance. Age is just one. Health, income and assets, ability to pay for the premiums, ability to pay for care, family members available to help with care (more than just serving meals) - all of these affect this decision.
Go talk to a local independent agent who specializes in elder issues (or more than one).
I find that buying a policy in the late 40s, early 50s will yield the lowest total premiums paid. However, the policyholder will pay those premiums for 30 or 40 years AND likely will face rate hikes.
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NANCY J
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If you can afford it go ahead. But don't forget there is a lot of government agencies that will help you if you need to provide care for your parents as well. My grandmother came to live with me at the end of her life and because of our income not being over a certain limit we qualified for inhome nurses and everything that we didn't pay for. We even had hospice here at the house so she could die at home. There are different options. |
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mbrcatz
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Consumer Reports recommends in your 50's - because by then, you're usually still pretty healthy, and then you don't waste all the money in your 40's paying into it.
When your health starts deteriorating, the premiums jump. |
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