Most insurance specialists who deal in the area of long term care coverage do this exclusively. The reason is, in order to help people buy long term care insurance, the representative must have a thorough knowledge of long term care systems and how to apply long term care planning.

Long-term care insurance helps pay for the care you need when you can no longer care for yourself. It can protect your family's financial future and your own investments and savings.

Long term care planning is not a simple field of expertise. There are at least 10 or 15 diverse services and service providers in this area. In particular, Medicare, community aging services and Medicaid are complicated and require the full attention of the care adviser, not a generalist who is distracted by other insurance products or planning issues. In addition the specialist must have an understanding of how long term evolves, what settings are appropriate and how family caregivers are involved in the caregiving process.

The major focus of the specialist is to provide proper insurance coverage fitted to each family's unique situation. The specialist is also careful to represent a company or companies that are financially sound and have a solid history in long term care insurance sales.

Some specialists are taking the additional step to become all around long term care planning advisers. In this role they bring together other players in the care planning arena such as care managers, elder law attorneys, preneed planning specialists, reverse mortgage specialists, elder mediators and others who can help a family adequately plan for the need for long term care. Long term care insurance is important but it is only one piece of the puzzle.

This planning is not only important for an older generation but it is also important for those people in their late 40s and 50s to use a specialist to make planning for long term care a part of the preparation for retirement.

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