Southern Senior Care Blog

As with most types of insurance, the ideal time to purchase LTC insurance (LTCi) is about one month before you need it. That way you can potentially collect from the LTC carrier for a lifetime and have only paid one month’s premium. Of course, without a crystal ball, very few of us can predict when we will have a car accident, have a stroke, or be diagnosed with cancer or Alzheimer’s. Many of us may be one doctor’s visit away from a diagnosis that will either cause us to pay more for LTC premiums, or possibly not even qualify for the insurance. Christopher Reeves (Superman) never planned to fall off his horse.

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