Long Term Care Insurance

I want to address an important topic.  For those of you that are caregivers for a family member, you have seen all of the ins and outs needed for long term care.  It is so important, if you are financially able, to carry long term care insurance.  There are many companies beginning to carry this insurance, for instance +Mutual of Omaha.  LTC insurance can kick in and cover expenses in the event that you become incapacitated or require care longer than a few months (generally set at longer than 12 weeks).  If you purchase LTC insurance, make sure it covers "non-medical" and "personal care" services, so that you can have the full care that you may need, and you may be able to stay in your home much longer, or retain ownership of your home while in long term rehabilitation.