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Money and Finances
Reply to "Feds - have you applied for Long Term Care insurance?"
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[quote=Anonymous]If you're in your 40's, married, and a nonsmoker, there are better plans available than the Fed plan. You can get one that has premiums that are guaranteed to never go up. The premiums would be refunded to your heirs if you never need care. And you can get one that has no limit for how much it can pay in benefits over your lifetime. But, you should only consider LTC insurance after the more important financial priorities are taken care of especially: no high interest credit card debt, at least 6 months of emergency savings in a liquid account, maxing out your retirement account contributions every year, and adequate disability insurance and adequate life insurance If you've taken care of those things and your budget is very tight, then just buy a "starter LTCi policy" that costs $50 to $75 per month. The "starter policy" would be a policy that allows you to buy more benefits in the future, regardless of changes in your health. [/quote]
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