Scrimdods

Cotton also recommends consumers read the National Association of Insurance Commissioners’ "Shopper’s Guide to Long Term Care Insurance," a booklet that most insurance agents and brokers who sell that insurance will carry.  Many insurance companies have begun offering long-term care insurance, so more than likely the company you have used for your car, life insurance, and home owner’s insurance offers it as well.  Having long-term care indididual health insurance is not for everyone, but if you or a family member falls into one of these two categories, having a long-term care insurance provider just makes sense; otherwise, expenses come out-of-pocket, whether the pocket belongs you or your family.