Long-Term Care Insurance Cost
Many people decide against long-term care insurance under the misguided assumption that they can?t afford it without actually finding out how much long-term care insurance costs.
Admittedly the cost of long-term care insurance does rule out insuring against the cost of long-term care for some lower income families but if long-term care insurance is taken out early enough the cost is well within the reach of the majority of the American population.
Long-term care insurance costs vary dramatically with one of the most significant factors being at what age you take out your long-term care policy.
Other notable influences on the cost of long-term care insurance are your state of health at the time you apply, the period of time the policy is too cover and the level of long-term care benefits that you choose to select.
Applying for long-term care insurance is something that many people put off for many years believing that the longer they wait the more money they will save. This is a total misconception given the fact that long-term care insurance costs increase sharply with some companies almost doubling the annual cost of their long-term care insurance between the age of 50 and 60.
Each year that you wait before taking out long-term care insurance is likely to result in an increase in annual premiums. In addition, the older you are the higher the risk of developing health problems that could increase the cost of your insurance premiums or prevent you from obtaining long-term care insurance altogether.
As with all types of insurance it is a good idea to shop around as the cost of long-term care insurance can vary by several hundred dollars at the age of 50 and as much as $700 or more if you take a policy out twenty years later.
At the age of 50, depending on your state of health you should be able to get long-term health insurance for around $400 - $500. If you wait until you are 60 the cost of you long-term health insurance will increase with premiums more likely to start at around $700 - $800 if you are in good health. The older you get the greater the risk that you will not be accepted but, if at the age of 70, you are still a viable option for long-term care insurance the annual cost will probably be more than double the cost of a 60 year old at around $1,600 to $2,000 or more.
If you consider the total cost of long-term care insurance, just until the age of 80 (and for many this won?t be old enough) policies taken out at the age of 50 will cost you significantly less than those taken out at 60. With the three quotes I reviewed the difference ranged between 7% and 22%. Taking out long-term care insurance another ten years later resulted in a further increase of 11% - 16%.
If you consider the cost of long-term care which could stretch to more than $50,000 per annum in some instances, long-term care insurance could prove to be an excellent investment for the long term.
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