By now most followers of the media know that millions of baby boomers are going to start retiring over the next few years. Because of this, the need for long term care insurance is going to start growing faster than ever seen in the past. The fact is, few even know what long term care is and what long term care insurance costs and pays for?

Essentially, long term care insurance is a fincial product, and technically a type of health insurance that covers non-medically necessary health care at home, in nursing homes, and other places. so-called Long Term Care insurance policies are held by millions of Americans today but there are many key differences. Recent innovations in policies have made them even more consumer friendly than they were when this type of insurance was pioneered by Genworth in the mid 1970s.

So how do you qualify for long term care insurance?
Well, there are six activities of daily living that you must be able to perform to qualify for the policy. For most policies, what you need to do is to have a doctor certify that you cannot do at least two of the six activities of daily living, you can then qualify for your long-term care insurance policy.

You will find that in this post we have taken the liberty, and linked to several long term care insurance articles - check them out for more information on this important type of insurance.