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She’s fun Cheap Emmanuel Ogbah Jersey , healthy and very enthusiastic about life, but my cousin also has the tendency to take everything she reads in books and on the Internet too seriously. A writer by profession, she discovered sitting for long hours can injure one’s spine so she’s now planning to request a long term care insurance quote.


I laughed the matter off thinking long term care insurance (LTCI) is only for people heading towards the retirement age. That was what I had in mind until I found out for myself that one can, indeed, make long term care insurance (LTCI) claims for a spinal disorder.


At 22, my cousin already knows that she’ll be writing for the next 30 years of her life so before anything happens to her spine she wants to prepare an LTCI policy. She could care less being called a pessimist. That’s better than not having money to cover a possible back surgery Cheap Larry Ogunjobi Jersey , she says.


She’s thinking of receiving home care because based on her research, there are home care agencies nowadays that do not offer custodial care only but medical care, as well. While there are agencies that continue to focus on providing non-skilled care providers, there also happens to be a big number of companies out there that are flourishing in providing people with medically trained professionals.


Aside from learning about the developments of home care agencies, my cousin also tells me that claims due to spinal disorders make up the smallest percentage of the total LTCI claims, perhaps only 4%. Dementia Cheap David Njoku Jersey , according to her, remains to be the top reason of LTCI claims.


Is It Too Young To Request A Long Term Care Insurance Quote?


Fifty is the ideal age for one to purchase an LTCI policy says experts on the field. There are other insurance specialists, however, that say you will not lose anything if you would request LTCI quotes and eventually purchase a policy at a younger age.


In fact, while one is young she has all the time in the world to compare LTCI quotes which were provided by different LTCI providers. This will also give her time to scout for potential skilled or unskilled care givers. In the case of my cousin, she’s firm on her decision to receive care at home but she has no idea where to get it yet.


Even if healthcare statistics show 40% of individuals between the ages of 18 and 64 are currently receiving long term care Cheap Jabrill Peppers Jersey , only a handful of them have LTCI policies. Most of them are either Medicaid beneficiaries or relying on relatives to care for them.


Leaning on others, however, is my cousin’s last resort. Before our meeting, she told me that she has already set a schedule for her physical examination. After getting the results, she’s going to visit her insurance agent’s office situated downtown so they can discuss the possible LTCI quotes that he can provide her.


Perhaps if every individual with a good income would consider a long term care insurance quote, Medicaid’s coffers will overflow and its poor elderly beneficiaries in nursing homes won’t be sent home anymore.


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