Long Term Care Insurance is a critical issue for the Gay and Lesbian community
 

     No one likes to think about needing long term care because it's just simply not a fun topic.  People of all ages need the type of protection a long term care insurance policy will buy them especially the Gay and Lesbian communities because of their care issues and financial penalties are different from what heterosexuals may face.  The National Gay and Lesbian Task Force Policy Institute mentioned in a report that since Gay and Lesbian people are less likely to have children that the issue of actual care-giving will be a huge issue for them as they age. 

     As you probably know, a Gay or Lesbian couple cannot pass on their Social Security benefits to one another and many employer's traditional pension plans prohibit this as well.  Reasons like this are why you need a long term care insurance plan to protect your assets from being eroded away because of an illness or injury.

     Long Term Care insurance also protects a Gay and Lesbian couple's home in the event if one person has to go into the nursing home paid for by Medicaid.  Unlike heterosexual couples, if a Gay or Lesbian couple own a house together the house is not protected from being sold by Medicaid to re-coop the money Medicaid has paid the nursing home unless the partner living in the home buys out the other partner half.  This dilemma as you can see can be a real problem if left unplanned, so that's why having a long term care insurance plan in-place before the problems arise is critical for all people especially Gay and Lesbian couples. 

     Most all long term care insurance companies will offer the "spousal discounts" to Gay and Lesbian couples as long as they have been living together for at three years in most cases.  At LTCtree we work with all of the major long term care insurance companies who offer those discounts and to get your quotes simply fill out the form below and we'll mail them out to you.