Younger policyholders pay smaller annual premiums but will pay those rates over more years. Far more people need care at home, such as help with eating, bathing, shopping or taking medications. Congress taking a look Some lawmakers are considering ways to help. This year, the Older Americans Act was reauthorized, with the addition of a National Family Caregiver Support Program, which will provide some respite help to caregivers taking care of family members in their own homes. Congress also is debating a tax deduction for those who buy long-term care insurance, although it isn't clear if any action will be taken this session.
Experts suggest researching the issue closely before making a decision.
State insurance commissioners' offices often have information . Senior centers also may have counseling or information services. These are very complicated policies. Using the Internet to meet someone online is a very convenient, effective and enjoyable experience. More than 50,000 people a day become members of these fast growing online clubs.