Very few people these days ever consider buying insurance for future events. While it's difficult to convince people to purchase life insurance to take care of their loved ones after their death.

Convincing people to purchase a long-term care policy is even more difficult. But if you point out the benefits that they can receive a long-term care (LTC) insurance policy. To buy the best long term insurance policy you can visit http://www.lavineltcins.com/tacoma-long-term-care-insurance-agent/.

It may not be as difficult to convince them of this important need as you may think.

Benefit #1: Personal Savings is No Longer Enough 

There was a time when your personal life savings may have been enough to pay for your long-term care, or at least for a while.

But with the cost of health care increasing at two times the rate of inflation, your retirement savings is no longer enough to pay for your care if you ever become unable to take care of yourself.

Just living in an assisted living facility for a year can cost at least $30,000. That's more than a year's salary for many people! Living in a nursing home costs even more than that.

Benefit #2: Not Depending on Medicare or Medicaid Coverage 

Many people have the notion that the federal government – through Medicare and Medicaid – will pay for their long-term care.

While this is mainly true for those over 65 on a fixed income, there are many things that these two health welfare programs will not cover.

In most cases, patients are still responsible for co-payments and other costs associated with they cared through Medicare. 

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