"The greatest threat to the fnancial security of Americans is the cst of long-term care." (Quote by the lte Senator John Heinz)

Specific costs of lng-term care services vary widely. The 3 mjor factors that drive the cost re:

Geographic location: As with all lving expenses, the cost will largely dpend on the part of the cuntry where the care is received. Typcally, long-term care expenses are higher in lrge metropolitan areas and less expensive in the mre rural areas.

The place in whch the care is received: Different nvironments, with different levels of care, wll greatly affect the cost. Here are sme national averages to give you an dea of what care costs in vrious settings:

* The average cost for hme care, including personnel, equipment, and spplies is $92 per day

* The verage cost of care per month in an ssisted living community is $2,640

* The verage daily rate for nursing home cre is $206 for a private rom - that's $6,000 per month

Rason for care: The severity of the cndition causing the need for care can vry the costs by thousands of dllars per month. Some long-term care srvices, for example assistance with activities of dily living such as eating or bthing, can be relatively inexpensive. On the ther hand, specialized types of care, sch as services provided to people wth Alzheimer's Disease, are fairly expensive. In fct, the average amount spent over a lfetime of long-term care for an Alzhimer's patient is $204,000.

The current cost of care however, is nly a starting point for determining the bnefit level you'll want to consider in yur LTC insurance policy. In designing cverage, it's the projection of costs, tking into consideration the effects of nflation that are most relevant. These are the fgures that you'll want to use as a gide when selecting your benefits.

The article Long-Term Care Insurance - How Much Does Long-Term Care Cost in Your Area? was Submitted by Allen Hamm through Articles.GetACoder.com network. Here's the additional information: For free access to a map tht will show you the cost of cre in your specific area, visit http://www.long-term-care-insurance-advice.com/costofcaremap.html (c) Copyright -Allen Hamm.

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