Long Term Care Insurance - Read This If You're So Sure You Won't Ever Need It

If you quote statistics that prove the need for long term care insurance a lot of folks simply soothe themselves by affirming it can't happen to them. Well, even you can show clear family history in your favor, just take out some time to make sure you're not making a fatal mistake.

Most people often think that long term care insurance is needed by the elderly who'll become frail as they age further. Nothing could be further from the truth. Reliable statistics show that 40 percent of those receiving long term care are less than 65 years.

Here are grave statistics that should awake you to real life conditions...

1) 28 percent of stroke victims in the US are under 65 years of age. Since there are at least 700,000 stroke victims annually, 28% translates to 196,000 cases.

2) There are 60,000 new cases of Parkinson's disease each year with the average onset age being 60 years.

3) Add to these the grave statistics of heart attacks

4) Add the fact that the likelihood of disability increases as a person grows older.

5) Custodial care represents 95 percent of all long term care. And, please note that custodial care isn't covered by health insurance, medicare or medicaid.

Look at these figures again and just make sure you really don't need long term care insurance. This is because if you do without adequate insurance coverage, you'll become what everyone dreads -- An object lesson for others to learn from.

To cut the cost of long term care insurance, take some time out to obtain quotes from insurance quotes sites. Do this not only for long term care insurance but also for your existing policies. You could save several hundreds (if not thousands) of dollars on the whole if you do it well. Visit at least three reputable insurance quotes sites for best results.

Here are my favorite insurance quotes sites...

InsureMe Long Term Care Insurance Quotes

Hometown Insurance Quotes

Chimezirim Odimba writes on long term care insurance.

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