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Most baby boomers are beginning to realize that Long Term Care expenses are not adequately covered by traditional medical insurance plans. To make matters worse, there are also limitations on Long Term Care coverage under Medicare and Medicaid. In reality, most people who require care in their home or in an assisted living facility need more or different types of care than are covered under either traditional medical insurance, Medicare or Medicaid. Long Term Care or LTC insurance can bridge this gap in coverage.

So, what exactly is Long Term Care Insurance? LTC insurance provides payment for assistance if you need help with basic Activities of Daily Living (ADLs). ADLs include bathing, dressing or moving around your home. Long Term Care insurance would also usually cover degenerative conditions such as a stroke or cognitive impairment like Alzheimer's Disease. Long Term Care Insurance policies have evolved to cover assistance whether it is within your home, within a nursing home or within an assisted living facility.

Did you know that over 75% of Americans do not think they need long term care insurance? The U.S. Department of Health disagrees. In a recent study, U.S. Department of Health noted that by the time people reach the age of sixty five, more than 40% risk needing a nursing home. If you are part of the baby boomer generation, this means within the next 15 years there is nearly a 50% likelihood that you will need some degree of Long Term Care. Excessive eating, inadequate exercise or smoking can make matters worse. Often, Long Term Care cost exceed $300,000 which can quickly consume most couple's retirement savings.

Long Term Care insurance can help ensure you live in the setting of your choice and help assure your financial security. LowPennsylvaniaRates.com will connect you with experts that can discuss your long term care options and the best pricing for their policies.

Our customers come from Philadelphia, Pittsburgh, Allentown, Erie, Reading, PA and other great cities in the quaker state to find cheap long term care insurance from award winning insurance companies. Our Pennsylvania insurance agent and broker referral network can help you compare rates from the comfort of your home.