{"id":691,"date":"2025-03-20T09:15:00","date_gmt":"2025-03-20T09:15:00","guid":{"rendered":"https:\/\/www.insurancestudy.com\/blog\/?p=691"},"modified":"2025-04-25T19:44:18","modified_gmt":"2025-04-25T19:44:18","slug":"why-get-long-term-care-insurance-now","status":"publish","type":"post","link":"https:\/\/www.insurancestudy.com\/blog\/2025\/why-get-long-term-care-insurance-now\/","title":{"rendered":"Why Get Long-Term Care Insurance Now"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Long-term care insurance helps keep people living in their homes longer, minimizes the financial impact on friends and loved ones<ins>,<\/ins> and increases your level of care either in your home or at a facility. Often people wait until they\u2019re in desperate need of additional support before looking into their options. Here are a few reasons why a long-term care insurance plan makes sense now.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Lower Premiums<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you know you may need long-term care insurance at some point in the future, there\u2019s no time like the present to lock in lower rates. As you age, your risk assessment places you in different pools resulting in higher premiums or more restrictive coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>More Comprehensive Care<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many factors contribute to your total LTC benefits. Over time, premium costs rise, you get older, and coverage types change.  If you wait to enroll in your LTC insurance plan, you risk losing benefits or coverage all together. The younger you start your long-term care insurance plan; the more comprehensive care options will be available.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Jump into the Elimination Period<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most long-term care insurance policies will have a waiting period of 0-120 days to be utilized. It will be easier to start your coverage with less financial impact if you do so when you\u2019re not already in a situation that warrants long-term care.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With impending changes to the Medicare system and an ever-evolving political climate, depending on social security or public healthcare to support you in your time of need is a risky endeavor. Take some time now to research your long-term care options and put a plan in place before you need it.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"186\" src=\"https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1024x186.png\" alt=\"\" class=\"wp-image-645\" srcset=\"https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1024x186.png 1024w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-300x55.png 300w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-150x27.png 150w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-768x140.png 768w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1536x280.png 1536w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-2048x373.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/insurancestudy.com\">InsuranceStudy<\/a> has been providing continuing education for Insurance Professionals and Certified Financial Planners for more than 20 years. Our insurance experts are dedicated to bringing you convenient, affordable, and compliant courses. Follow us on <a href=\"https:\/\/www.facebook.com\/InsuranceStudy\">Facebook<\/a>, <a href=\"https:\/\/www.instagram.com\/insurancestudy_com\/\">Instagram<\/a> or <a href=\"https:\/\/www.linkedin.com\/company\/insurancestudy.com\">LinkedIn<\/a> for more updates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Long-term care insurance helps keep people living in their homes longer, minimizes the financial impact on friends and loved ones, and increases your level of care either in your home or at a facility. Often people wait until they\u2019re in&#8230;<span class=\"read-more\"><a href=\"https:\/\/www.insurancestudy.com\/blog\/2025\/why-get-long-term-care-insurance-now\/\">Continue Reading &rarr;<\/a><\/span><\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-691","post","type-post","status-publish","format-standard","hentry","category-long-term-care-training"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Get Long-Term Care Insurance Now - InsuranceStudy<\/title>\n<meta name=\"description\" content=\"Long-term care insurance keeps people living in their homes longer, minimizes the financial impact and increases their level of care at either a home or facility.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancestudy.com\/blog\/2025\/why-get-long-term-care-insurance-now\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Get Long-Term Care Insurance Now - 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