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Why Do You Need to Have an Adequate Car Insurance Coverage? Learn More About How to Get Cheap Auto Insurance Having an adequate car insurance can protect your finance in case you encounter an accident. If your car collide with someone else’s car and you are at fault, you will have to pay an expensive damage fees. The damage fees will cover the other party’s car’s damages along with the hospitalization or medical fees of the driver or passengers.who has the cheapest auto insurancehow much auto insurance do i needwhat is full coverage auto insurancewhat is auto insurancehow much is auto insurancehow to cancel auto insurancewhat is comprehensive auto insurancehow does auto insurance workhow much does auto insurance costhow to get cheap auto insurancewhat does auto insurance coverwhat does comprehensive auto insurance coverwhat does full coverage auto insurance coverwhat is the cheapest auto insurancedoes auto insurance cover rental carshow much is full coverage auto insurancewhat is the best auto insurancehow to become an auto insurance agenthow to get auto insurancewhat is auto comprehensive insurancewhen not to file an auto insurance claimdoes auto insurance cover thefthow much is auto insurance per monthhow to buy auto insurancehow to cancel state farm auto insurancewhat is commercial auto insurancewhat is considered full coverage auto insurancewhich auto insurance is besthow much does commercial auto insurance costhow much is commercial auto insurancehow to lower auto insurancewhat does auto liability insurance coverwhy is my auto insurance so highdoes my auto insurance cover rentalshow do auto insurance deductibles workhow to negotiate with insurance adjuster auto total losshow to sell auto insurancehow to shop for auto insurancewhat is auto collision insurancewhat is auto gap insurancewhat is auto liability insurancewhat is sr22 auto insurancewho has the best auto insurancecan you get auto insurance without a carhow much does auto insurance cost per monthhow to become an auto insurance adjusterhow to become an independent auto insurance agentis auto insurance requiredwhat is collision auto insurancewhat is covered under comprehensive auto insurancewhat is liability auto insurancewhat is liability coverage in auto insurancewhat is no fault auto insuranceLong-term care insurance pays for services that aren’t covered by Medicare or traditional health insurance, but are important when you can’t fully take care of yourself. These include help with activities of daily living, such as dressing, getting to the bathroom, bathing and eating.Policies vary widely in cost and coverage levels. The premium is based on the type and amount of services you want covered, your age and health condition when you buy the policy and optional benefits, such as inflation protection.Long-term care insurance policies include limits on coverage. There might be a cap on how much the policy will pay out over your lifetime and how much it will pay per day or per month for care. Some policies also limit the number of years they pay for long-term care. Typical time periods are two, three, four and five years.
How long-term care insurance has changed
Policies issued a generation ago typically paid for nursing home care. Today, most policies are comprehensive and cover a wide range of services in a variety of settings, including nursing homes, assisted living communities, adult day care centers, Alzheimer’s special care centers and your own home. As coverage has expanded, prices have increased. For help in understanding how to get the best coverage at the lowest price read our article.You can also choose from a variety of riders – or add-on benefits – such as inflation protection, which allows the value of coverage to increase with inflation. The cost of an inflation protection rider is built into the premium from the beginning.Many policies also pay for services and equipment to help you live at home, such as electronic monitoring systems, wheelchair ramps, transportation to medical appointments, and training for a friend or relative to provide care.Some policies even provide payment to family members or friends who care for you, according to the National Clearinghouse for Long-Term Care Information. Another common benefit pays for the service of a care coordinator, who meets with you and then arranges for and monitors care.Another way to plan for long-term care expenses is through a policy that combines life insurance with long-term care insurance. The popularity of these policies has taken off in recent years, with nearly 100,000 sold in 2014, which was a 4 percent increase over the previous year, according to LIMRA, a global life insurance research and consulting firm. The policies provide long-term care benefits and pay out a death benefit to life insurance beneficiaries if not all of the long-term care coverage is used.