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Alzheimer's and Long-term care

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Tags: Long Term Care, long term care insurance

A common question among people researching long-term care insurance is "how much coverage should I buy?"

Two numbers are important to making that decision:

1. How much is your daily benefit (and will it grow over time to keep pace with inflation)?

2. How many years do you want the insurance to pay for your long-term care costs?

The answer to the first is easy to find. Get detailed information about the cost of long-term care: nursing home, assisted living and home care.  Figure out where you think you'll be living in retirement, look at nursing home costs as the "wort case scenario" and determine whether you want insurance to cover most of the potential cost, or you will share the cost paying a percentage from your savings.

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