The innovations and advancement in technology had made it possible to live a comfortable life. Many things like cleaning home, washing clothes, etc can be done by machines which man was to do previously manually. They are really helpful in old age and in case of disability. And they do save a lot of time.

But there are still some activities known as Activities of daily living (ADL) which can’t be be done by machines. These ADL’s are eating, toileting, bathing, dressing, transferring and continence. So when you are unable to perform them, you will require the help of your relative or a care taker. Not many younger generation will take care of your ADL’s and for that you will opt for home health care or nursing home.

The cost for this nursing care can range from $60,000 $100,000 annually depending on your location. And to help you out financially for the cost of long term care, there is long term care insurance.

There are various insurance companies like metlife, prudential, allianz, Genworth etc. that are offering this long term care insurance. The premium depends on the type of plan your opt for and your age. Medical or health insurance will not include this long term care cost and so you have to apply for LTC insurance separately.

A site, LTCTree provides information, ratings, reviews, quotes and comparisons of long term care insurance and hope you will find it useful as with me.

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