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ABCLifeStyles.com  5-Minute
Long-Term Care Needs Analysis


To learn if the exposure of long-term care represents a concern for your financial security and retirement dreams -- and if long-term care insurance or other protection planning is something you need to consider -- please answer the questions on this form.

Am I Exposed and Do I Need Private Long-Term Care Insurance Protection?

What is your net worth after any Mortgages with Real Estate Market IRS Values of any Assets?

Guideline: If your net worth is between $100,000 and $2 million, you should seriously consider long-term care insurance to protect having to sell your assests before receiving any government assistance or possibly having to surrender your assets to a nursing home so they can continue to care for you in some cases.
How old are you?

Guideline: The sooner you apply, the easier and less expensive it is to qualify. Also, once you own your long term care insurance policy rates do not increase as your age increases or your health decreases, (unless you purchase a policy that allows you to purchase additional insurance coverage later at mroe expensive rates). It is not advisable to purchase long term care insurance that does not lock in your premium and coverage amount.

Do you have heirs you want to pass your estate to or perhaps a favorite charity?

Yes No 

Guideline: In addition to helping protect your independence, quality of life, privacy,  long-term care insurance is one of the best ways to protects your assets. Most people who purchase it do so with the intention of safeguarding a portion of their nest egg for a surviving spouse or to pass on to a loved ones or so they can also later give to a charity.
Am I Eligible?

Each applicant for long-term care insurance goes through an approval process called "underwriting". The underwriter must determine your ability to remain self-sufficient and live independently.

Do you currently need the ongoing assistance or supervision of another person in performing any of the following activities: Getting out of bed or up from a chair, bathing, dressing, going to the bathroom, controlling your bladder, eating?

Yes No

Have you been medically diagnosed as having chronic memory loss, liver cirrhosis, muscular dystrophy, Parkinson's Disease, Alzheimer's Disease, senility or dementia, multiple strokes or any similar condition?

Yes No

Do you currently use a  walker, need a wheelchair, oxygen, or kidney dialysis?

Yes No

Guideline: Unfortunately, a "yes" answer to any part of Questions 1-3 will likely disqualify you for long term care insurance. Don't be totally discouraged, there are other ways you can protect some of your assets with proper legal and financial counsel. On the other hand, answering "no" to all three doesn't assure you'll be approved. Each insurance company has different underwriting guidelines, and the above questions are only the standard first questions considered. Each insurer you apply to will want to consider the current status of your health, your mental acuity and your medical history. It is recommended that you work with a insurance consultant, especially if you believe you may need to apply to more than one insurance company.  It is important to protect your insurability, your insurance record, and make sure you get the best protection for your insurance dollar with a highly rated and reputable long term care insurance company. 
How Much Coverage Do I Need?

What are the costs of long-term care in your area?


Guideline: According to the Health Insurance Association of America, a typical stay in a nursing home will cost $40,000 to $80,000 a year. According to Kiplinger's Retirement Report, care at home can cost $36,000 a year or more. In the more metroplitan areas, cost can range from 65,000 to over 100,000 a day.  In NY for example some nursing homes are costing $120,000 a year.  The more rural areas are much less expensive. There is much more on this topic that should be considered. For example, in your retirement planning, have you considered where you plan to live. If you live in NYC presently, and plan to move to Virginia for example, you would want to obtain coverage amount for a Virginia Nursing Home.  In parts of Virgina, nursing homes cost $65,000 a year and in more rural areas of Virginia the cost averages $35,000 a year. 

How much of the potential cost of long-tem care do you you want covered by insurance?

Guideline: Do you receive any pensions? Be sure to also consider any social security monthly income. How much will you need as monthly income if you have to go to a nursing home or need to pay someone for home health care? We recommend you attempt to insure 80% to 90% of your potential nursing home cost risk. Home health care is different. Depending on if you have family support to assist in daily care - or if you will need to pay for any and all your home health care. Consider the cost for example if you have to pay $12.00 an hour for 12 hours a day for 30 days. That monthly amount is much more expensive than a nursing home. $4320 a month. We tell people, if you're going to be paying for long term care insurance, most peoplw want to make sure they get enough coverage to try to stay out of a nursing home... so you can stay home with home health care as long as possible.  Also, if you're younger than 75, we recommend an inflation protection option, if you can afford it. There are many inflation options with different companies. We recommend 5% compound inflation protection to be your best investment for your insurance dollar.  
What Type Of Policy Should I Apply For?  Which type of coverage would you prefer?


uideline: Most experts recommend an integrated plan.  However, if this doesn't fit in your budget, consider a facility-only plan.  Long-term care in a facility represents your greatest financial risk, and a facility only policy is typically 20% to 40% less expensive. 
Do you have family members nearby who could act as a support system in the event you needed assistance?

Yes No 

Guideline: If so, would they be able to take care of you for an extended period of time. And, more importantly, would you want them to have that responsibility? 

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Do you currently own a long-term care policy?
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If yes, with which company
If yes, what year did you purchase it?

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