Discussion in 'Long Term Care Insurance Forum' started by Mathewmiller, Jun 26, 2015.
When should I apply for Long Term Care LTC-insurance?
Take care of the dental, vision, disability insurance first. You know, the items you asked about in your previous posts.
As soon as you become aware that you may need it someday.
When you are as young and healthy as possible. If you will not be getting younger and healthier, better to do it before these things change. Only get it if you can continue paying the premiums for the rest of your life. Don't bother if you have no assets and affordability is questionable. NY State says the best decade is in your 40's, but don't not get it if your 40's are in the past.
When you want it; when you can afford it; and when your health allows you to get it.
You're asking agents. I won't tell someone to "wait until so and so age" because if your health changes, I know as an agent I ain't done my job. Just because someone is "willing" to buy doesn't mean the insurance company wants to take a risk.
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