{"id":12033,"date":"2020-07-13T10:27:15","date_gmt":"2020-07-13T14:27:15","guid":{"rendered":"https:\/\/lifehappens.org\/?page_id=12033"},"modified":"2024-07-24T15:59:51","modified_gmt":"2024-07-24T19:59:51","slug":"where-can-you-buy-long-term-care-insurance","status":"publish","type":"page","link":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/","title":{"rendered":"Where can you buy long-term care insurance?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; make_equal=&#8221;on&#8221; specialty=&#8221;on&#8221; padding_top_2=&#8221;20px&#8221; padding_right_1=&#8221;50px&#8221; padding_top_bottom_link_1=&#8221;false&#8221; padding_top_bottom_link_2=&#8221;false&#8221; padding_left_right_link_1=&#8221;false&#8221; padding_left_right_link_2=&#8221;false&#8221; custom_css_main_1=&#8221;border-right:1px solid #eeeeee;&#8221; _builder_version=&#8221;4.16&#8243; inner_width=&#8221;90%&#8221; inner_max_width=&#8221;none&#8221; inner_module_alignment=&#8221;right&#8221; custom_padding=&#8221;60px||||false|false&#8221; top_divider_color=&#8221;#3390ff&#8221; top_divider_flip=&#8221;vertical|horizontal&#8221; top_divider_arrangement=&#8221;above_content&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_4&#8243; specialty_columns=&#8221;3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;20px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/long-term-care-insurance-101&#8243; button_text=&#8221;Long-Term Care Insurance 101&#8243; module_class=&#8221;button_icon_right&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_border_width=&#8221;0px&#8221; button_letter_spacing=&#8221;0px&#8221; custom_padding=&#8221;0em|0em|0em|0em|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.16&#8243; _dynamic_attributes=&#8221;content&#8221; header_font_size=&#8221;38px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>There are three main ways to buy long-term care coverage, and each one has pros and cons worth knowing.\u00a0<span style=\"font-size: 17px;\">Also worth knowing is that today\u2019s long-term care coverage may come bundled with life insurance coverage (or an annuity).<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Through an Insurance Professional<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Working one-on-one with a financial professional who specializes in long-term care insurance offers advantages such as:<\/p>\n<ul>\n<li><strong>Flexibility.<\/strong> A financial professional will shop around for the best policy among several long-term care insurance companies. You\u2019ll be able to compare long-term care insurance quotes and coverages to find the policy that works best for you. This level of flexibility is not usually available with the other two options for buying long-term care insurance.<\/li>\n<li><strong>A personalized experience.<\/strong> Your financial professional can help you get long-term insurance quotes, answer any questions you may have and help you file a claim. Many people like having a point person like this for all of their long-term care insurance needs.<\/li>\n<li><strong>A customized coverage solution.<\/strong> One of the best parts about working with a financial professional is having the opportunity to customize a combination of features and benefits that works for your exact needs and budget. This is often not possible with the other two options for buying long-term care insurance.<\/li>\n<li><strong>Potential good health discount.<\/strong> If you\u2019re in good health, you may qualify for preferred pricing. That\u2019s because the policy will be individually underwritten, meaning the insurance company will base its price on your personal health history rather than on a broad group rate.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Through an Employer<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A second way to buy long-term care insurance is through a group plan offered by an employer. The advantage to going this route include:<\/p>\n<ul>\n<li><strong>Easy buying process.<\/strong> An employer typically offers a few preselected plans from which to choose. This can save you the time and effort of researching many policies because your employer will have done that work for you. On the flip side, you will not have as many options to customize your coverage as you would if you bought long-term care coverage through a financial professional.<\/li>\n<li><strong>Convenient billing.<\/strong> Your premiums are usually billed through easy and convenient direct billing.<\/li>\n<li><strong>No gender-based pricing.<\/strong>\u00a0Long-term care insurance is usually priced higher for women than for men since women on average live longer than men. So buying long-term care insurance through an employer could be a good move if you\u2019re female.<\/li>\n<li><strong>Easier to qualify for coverage.<\/strong> You may be asked fewer health-related questions in order to qualify for long-term coverage through an employer. This will make it easier (and often cheaper) to get long-term care insurance. That said, healthy people will often pay the same price as everyone else in their general age range. This means you might miss out on the kinds of discounts available through individual policies for being in good health.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Through an Association<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A final way to buy long-term care insurance is through an association such as an alumni group, professional organization or trade group. Plans offered through an association could be similar to individual plans offered through an insurance professional or more like plans offered through employers. The advantages of going this route include: \u00a0<\/p>\n<ul>\n<li><strong>Discounted pricing.<\/strong>\u00a0Plans through associations typically offer pricing discounts. Just know that you will probably sacrifice the ability to customize your coverage in exchange for these savings.<\/li>\n<li><strong>Potentially easier to qualify for coverage.<\/strong>\u00a0If the plan is run similar to one offered through an employer, it\u2019s often easier to qualify for coverage since you won\u2019t be asked as many health-related questions on the application. This can be a big benefit if you\u2019re in less than ideal health.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.14.2&#8243; text_font=&#8221;Montserrat|600||on|||||&#8221; text_font_size=&#8221;15px&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;58px|||20px|false|false&#8221; global_module=&#8221;2892&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Learn more<\/p>\n<p>[\/et_pb_text][et_pb_sidebar orientation=&#8221;right&#8221; area=&#8221;et_pb_widget_area_7&#8243; show_border=&#8221;off&#8221; _builder_version=&#8221;4.4.9&#8243; body_text_color=&#8221;#002838&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.3em&#8221; custom_padding=&#8221;20px|80px|||false|false&#8221; global_module=&#8221;11348&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_sidebar][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are three main ways to buy long-term care coverage, and each one has pros and cons worth knowing.\u00a0Also worth knowing is that today\u2019s long-term care coverage may come bundled with life insurance coverage (or an annuity).Through an Insurance ProfessionalWorking one-on-one with a financial professional who specializes in long-term care insurance offers advantages such as: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":11271,"menu_order":9,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-12033","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.8 (Yoast SEO v23.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Where can you buy long-term care insurance? &#8211; Life Happens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Where can you buy long-term care insurance?\" \/>\n<meta property=\"og:description\" content=\"[et_pb_fullwidth_module_placeholder selected_tabs=&quot;all&quot;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Life Happens\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lifehappens.org\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-24T19:59:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/og_image_LifeHappens_logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@lifehappens\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/\",\"url\":\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/\",\"name\":\"Where can you buy long-term care insurance? &#8211; Life Happens\",\"isPartOf\":{\"@id\":\"https:\/\/lifehappens.org\/#website\"},\"datePublished\":\"2020-07-13T14:27:15+00:00\",\"dateModified\":\"2024-07-24T19:59:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/lifehappens.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Long-Term Care Insurance 101\",\"item\":\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Where can you buy long-term care insurance?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/lifehappens.org\/#website\",\"url\":\"https:\/\/lifehappens.org\/\",\"name\":\"Life Happens\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/lifehappens.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/lifehappens.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/lifehappens.org\/#organization\",\"name\":\"Life Happens\",\"url\":\"https:\/\/lifehappens.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png\",\"contentUrl\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png\",\"width\":326,\"height\":50,\"caption\":\"Life Happens\"},\"image\":{\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/lifehappens.org\",\"https:\/\/x.com\/lifehappens\",\"https:\/\/www.instagram.com\/lifehappens\/\",\"https:\/\/www.linkedin.com\/company\/lifehappensorg\/\",\"https:\/\/www.youtube.com\/c\/LifeHappensOrg\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Where can you buy long-term care insurance? &#8211; Life Happens","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Where can you buy long-term care insurance?","og_description":"[et_pb_fullwidth_module_placeholder selected_tabs=\"all\"]","og_url":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/","og_site_name":"Life Happens","article_publisher":"https:\/\/www.facebook.com\/lifehappens.org","article_modified_time":"2024-07-24T19:59:51+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/og_image_LifeHappens_logo.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@lifehappens","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/","url":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/","name":"Where can you buy long-term care insurance? &#8211; Life Happens","isPartOf":{"@id":"https:\/\/lifehappens.org\/#website"},"datePublished":"2020-07-13T14:27:15+00:00","dateModified":"2024-07-24T19:59:51+00:00","breadcrumb":{"@id":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/where-can-you-buy-long-term-care-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lifehappens.org\/"},{"@type":"ListItem","position":2,"name":"Long-Term Care Insurance 101","item":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/"},{"@type":"ListItem","position":3,"name":"Where can you buy long-term care insurance?"}]},{"@type":"WebSite","@id":"https:\/\/lifehappens.org\/#website","url":"https:\/\/lifehappens.org\/","name":"Life Happens","description":"","publisher":{"@id":"https:\/\/lifehappens.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lifehappens.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lifehappens.org\/#organization","name":"Life Happens","url":"https:\/\/lifehappens.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/","url":"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png","contentUrl":"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png","width":326,"height":50,"caption":"Life Happens"},"image":{"@id":"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/lifehappens.org","https:\/\/x.com\/lifehappens","https:\/\/www.instagram.com\/lifehappens\/","https:\/\/www.linkedin.com\/company\/lifehappensorg\/","https:\/\/www.youtube.com\/c\/LifeHappensOrg"]}]}},"_links":{"self":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/pages\/12033","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/comments?post=12033"}],"version-history":[{"count":6,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/pages\/12033\/revisions"}],"predecessor-version":[{"id":27016,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/pages\/12033\/revisions\/27016"}],"up":[{"embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/pages\/11271"}],"wp:attachment":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/media?parent=12033"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}