Long Term Care

Since Health, Medicaid and Medicare insurance does not cover long-term care of any individual, having Long Term Care insurance will certainly protect you from a heavy medical cost and dependency on others. We at ezhealthcoverage.com make it easy for you to compare and find best Long Term Care insurance plan that best fits your needs. Let us look down to understand whether taking Long Term Care insurance make sense for you.

What Is Long Term Care?

Those who are not able to undertake basic routine activities of their life such as dressing, bathing, eating, toileting, continence, transferring, walking and getting in and out of the bed or chair. These people are not traditionally called sick and there is no specific age determining the need for Long Term Care. According to a recent research, on an estimate about 60 percent of people over 65 need Long Term Care in America. Though Alzheimer and Parkinson diseases occur rarely, once the change of health occurs, Long Term Care Insurance is not available and so it is better to safeguard future in advance.

Benefits of taking Long Term Care insurance

• In severe conditions, it may be very hard for common person to bear all the expenses required in Long Term Care, as it needs to be covered throughout the life. Hence, Long Term Care insurance is best for those who are not comfortable in being dependent on children or family. They can get Long Term Care insurance plan and cover all the expenses.

• Things covered under a Long Term Care insurance plan generally are Alzheimer's facilities, adult daycare, respite care, hospice care, assisted living, nursing home and various others depending plan to plan. A Home Care plan pays for home care facilities from the very first day it is required including companion, housekeeper, therapist, visiting, live-in caregiver, private duty nurse for round the clock.

• Furthermore, one can enjoy tax benefits also taking Long Term Care insurance as the amount of premium paid for Long Term Care insurance plan may be deducted for income tax. The tax deduction mostly depends on the age of the one who is being covered and benefits that are paid are excluded from the income. Employers paying premium for their employees also have 100% deduction if it not included in employees taxable income and business deductions vary with its type.

Ezhealthcoverage.com is designed and available to make the Long Term Care Insurance needs easy and simple. All you need to do is come to us and we are all equipped with whatever you need to provide you everything at the comfort of your home.