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There is an increasing demand for Pennsylvania long term care insurance as the number of elderly people in this state is growing rapidly http://www.adidastrainersukcheap.com/ , thus foreboding informal caregiving which can lead to the increment of uninsured residents.


According to the U.S. Census Bureau, 16 percent of residents in Pennsylvania are comprised of seniors 65 years old and older. The women outnumber the men but a bigger percentage of the state’s informal caregivers are women and so they face a higher risk of needing care.


Pennsylvania’s cost of care is more expensive than that of its neighboring states Delaware and Maryland. Families with loved ones in nursing homes pay out $260 daily, on average, or $96,725 yearly for a private room. Meanwhile cheap adidas shoes wholesale uk , the state’s average annual rate for a semi-private nursing home room cannot be considered lower or cheaper because in other U.S. states $89,425 would be equivalent to a private room already.


Even assisted living facilities are financially torturous to Pennsylvanians. In the 2011 Cost of Care Survey which was presented by Genworth Financial, a one-bedroom assisted living facility in Pennsylvania would cost $36,000 a year. So a three-year stay in this type of long term care (LTC) facility would translate into $108,000 and there will be hardly anything left for one to spend on his basic needs such as clothing and medications.


LTC costs can cheap adidas shoes mens uk , indeed, ruin people’s finances in such short notice that is why it is very important to heed the advice of health care experts and financial planners. Long term care insurance (LTCI) will help alleviate the cost of care as these provide coverage for any LTC setting.


Apart from nursing homes, LTCI policies also cover in-home care, community-based care, and hospice care among many others. Take note cheap adidas shoes womens uk , though, that the coverage you will receive shall depend on what your policy stipulates.


When to Buy a Pennsylvania Long Term Care Insurance Policy


In the past, LTCI policies were often promoted to elderly folks who are moving towards the age of retirement and expecting to need care. Nowadays, anybody can buy it because LTC is not designed exclusively for the frail old.


Even young people can require this type of service. Truth of the matter is, 40 percent of the current total population that is receiving care comprises of individuals from the 18 to 64 age group according to the U.S. Department of Health and Human Services. Spinal injuries cheap adidas shoes uk sale , early-onset Alzheimer’s disease, multiple sclerosis, and cancer are some of the reasons they acquired LTC at a very young age.


LTCI should not be confused with regular health insurance which only pays for medical expenses. LTCI provides combined coverage for custodial and medical care which the elderly and disabled individuals would normally require.


While health insurance works to cure an illness or prevent the progression of one, Pennsylvania long term care insurance policies exist to ensure the comfort of your loved ones who are traveling the final phase of their lives.


Contact a licensed insurance agent in your area to discuss your policy options.

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