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Long Term Care Insurance - Misconceptions and Dangers

Armen Hareyan's picture

Long term care insurance is one of the less popular insurance policies. Its lack in popularity is not really because of its unimportance but largely due to ignorance and general misconceptions. The consequences of these are usually grave. Because of this I think it will be a wise move if we took some space off here to make sure we're all aware of the dangers in most of these misconceptions.

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There's the misconception that long term care insurance is for the very old. Most people usually think that those who require long term care are usually those who are above 65 years of age. However, nothing could be farther from the truth.

About forty percent of those who receive long term care are between the ages of 18 and 64. While it's true that the older a person gets the more the need for long term care, certain health conditions may make it a necessity much earlier.