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| *Loan,banking and credit>>>health insurance |
My auntwas just contacted by a telemarketer about buying Long Term Care Home health insurance what is it? |
they claimed they just wanted to come and show her what it is but never quoted any prices....is it for old people, is it expensive, is is worth it? WHO should have it? It is a policy to pay for nursing care in your aunts home. If your aunt can't take care of herself the policy will pay a professional to do the things for her she can not do herself, such as: bathing, ambulating, feeding, toileting. In short if she can't take care of herself and somebody needs to help her. The policy is not just for old people, the younger you are the less expensive the cost. Most people think it is expensive and as for if it is worth it, depending where you live skilled nursing and home care can cost as much as $5,000 per month less if you choose to be admitted to an area out of the metropolitan areas. California costs are high. Call a home care specialist in your area to determine the daily cost. As for who should have it. If there are genetic problems in her family I would consider it, thoughtfully. Otherwise, it is better to have it and not need it than to need it and not have it. If your aunt wants to leave an inheritance to her family, yes get it, otherwise sell her property to pay for her care or you can take care of her, not a good idea! Source(s): Richard Barclay, BS, CLU, LUTCF California Insurance Lic# 0508029 |
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