Welcome to the inaugural California Long Term Care Insurance blog post. The purpose of our blog is to assist in educating consumers regarding long term care and long term care insurance. Fortunately and unfortunately long term care has become a reality that many us will have to deal with at some point in our lives. I say fortunately because of you are like a majority of Americans who receive care you are doing so because you have lived a long and productive life. Because many people are living much longer than prior generations the need for long term care and long term care insurance has become a much greater reality.

In California the average cost of a semi-private nursing home room is $73,000 per year according to the 2010 Genworth Cost of Care Survey. For those who prefer to receive long term care at home they can expect to pay approximately $45,000 per year. In addition, many people are under the false pretense that some type of federal or state fund program is going to cover these costs, but the reality is most people do not qualify financially because there net worth or income is to great.

Hopefully, you will find this blog informative, educational, and fun. If you do, please drop us a line or even suggest a topic you may be interested in learning more about.