It is often suggested that everyone should buy long-term care insurance at the age of youth. This is because at that time, premiums are low compared to old age. The risk of having critical illness related to health and disability are greater as people growing old. (more…)

The chances are that without realizing it, you might in fact have already tapped into the long-term health care system, although not into a nursing home. We like to think of long-term care as the concern of senior citizens, but the term has a broader legal meaning. Long-term care involves becoming cognitively impaired, or the expectation that you will be unable to manage at least two of the six activities of daily living (more…)