“Saving money on valuable and needed services has never been as important to millions of seniors,” says Jesse Slome, director of the long-term care insurance organization.  “We are pleased to start making available special discounts that can benefit individuals, especially if and when they need care.”

The organization announced it has started posting discounts on AALTCI’s website.  “The first discount is a meal preparation service that can be invaluable for those who are housebound and unable to shop and prepare healthy meals,” Slome notes.   “Chefs For Seniors can customize meals based on dietary needs and the costs may even be covered by an individual’s long-term care insurance policy.”

“We are very proud to be the first discount offered by the Association,” says Nathan Allman, Co-Founder of Chefs For Seniors.  The company is offering a $50 discount off the first week of meal preparation.    “Our highly skilled personal chefs are ready to prepare delicious, home-cooked meals right in the client’s own kitchen, Allman adds.  “We offer a meal service that’s convenient and surprisingly affordable so individuals can spend more time doing the things they love – and less time worrying about cooking.”

The Association director acknowledged plans to add additional senior discount offers and savings opportunities specifically for seniors.  “These will be available to all individuals even those who do not have long-term care insurance coverage,” Slome confirms.  “We invite those organizations that work to benefit the millions of older Americans to contact us.”

The American Association for Long-Term Care Insurance (AALTCI) advocates for the importance of planning for the real risks associated with needing long-term care.  AALTCI supports insurance professionals who market both traditional and hybrid LTC solutions.   Request long-term care insurance quotes and coverage costs by calling the organization at 818-597-3227 or visit their website at www.aaltci.org.

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“Almost every day we hear from someone who is 85 looking for long term care insurance,” explains Jesse Slome, executive director of the American Association for Long-Term Care Insurance.  “The vast majority wait until the need for care is imminent and at that point it is too late.”

Few long term care insurance companies will offer coverage to individuals past age 80 according to the Association.   “People with a need for care want to coverage but they can not meet the health requirements and applications were just a waste of time and cost for the insurers,” Slome notes.

According to the Association’s examination of long term care insurers offering coverage to those over age 80, a single individual who could meet the health qualifications could expect to pay around $11,000 per year for a policy that would pay around $164,000 in benefits.  The cost for a couple would be between $20,000 and $22,000-per-year combined for that level of coverage for each.

The average age for individual applicants today is 57 according to Slome one of the nation’s leading long term care insurance experts.  “We advise individuals that the sweet spot to look into this protection is between ages 52 and 64,” Slome says.  “Do it before you go on Medicare and start to partake in the various free health exams which are wonderful but can uncover health issues that preclude you from qualifying for long term care insurance.”

While few insurance companies today will accept applicants after age 80, Slome counsels consumers to always get a comparison quote.  “There is a whole lot more than price involved,” he notes.  “Some policies limit your ability to receive paid for care in your own home which is a reason many people obtain this coverage in the first place.”

For additional information from the Association call the organization’s national headquarters at 818-597-3227 or visit their website www.aaltci.org where consumers can also access a variety of free online consumer information guides, insurance company ratings and be connected with a designated long term care insurance professional.

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