Long-term care insurance can help protect you and your spouse in your final years where you may need at-home-care or move into an assisted living facility/ nursing-home. It can provide coverage for one or both spouses thus removing the burden of the cost of care from your children or other family members.

Long-term care insurance can be very expensive, however, compared to the cost of not having it, can be much less. Long-term care costs are rising every year and people are living longer. Moving into a nursing home or having a 24- hour home-health-aid, may not be a choice, but knowing that you are financially prepared if the need arises can provide a peace-of-mind.

The insurance company will ask you a series of health-related questions. They will also do a back-ground check against your prior medical records. In many cases, they may approve you without para-medical screening which involve blood and urine testing. In some cases, if they have additional questions after the back-ground check, they may request it.