One of the most important decisions affecting your future is whether to invest in a long-term care insurance policy.  It is not for everyone.  It is for people who have assets to protect in case of a major accident or chronic illness. This is an important issue which can determine whether you or your spouse can retire on the investments you have made for the future.  It also determines whether your heirs will inherit from you.  The most important factor is whether you will have quality care in which you can remain in your own home for care or in the worst case scenario,  you can end up spending your savings down to welfare limits and living in a facility chosen for you by the government.  My recommendation is that you purchase enough coverage to give you peace of mind.  This is best accomplished through the California Partnership Plan in which the State of California will participate to help you protect your assets.  Some states offer Partnership and those that don't are presently working on it at this time.

     In order to understand the subject completely, I recommend that you do not fall for getting quotes arbitrarily on the internet.  It is not shopping for a toaster or a car.  There are variables in a comprehensive plan that you should understand.  The prices will be the same regardless of what company you use. Cheaper may only mean that you are purchasing a plan that may not give you the coverage you need. There are certain variables an experienced agent will use to reduce your premiums.

     At Golden Benefits Insurance Services, we provide personal care.  We initially will mail you a booklet from the California Department of Aging.  We also send you information on our company as well as a quote guide to give you an idea of the cost of the insurance based on your age.  After that, we follow up with a personal conversation to obtain information on your health, marital status, and finances to help us determine which, if any, plan you are most suited.  If you are still interested, we will set up a personal interview in our office or your home in which we will explain long-term care insurance to you in detail, show you different quote proposals, and take an application if yo u wish to apply.  The entire process takes about 4-6 weeks.