Today maybe you fell healthy and strong but what about 20 or 30 years later? Do you think how your condition on that time? If you’re rich that’s maybe not a problem but its always great if you choose to anticipate that time, because no one expected what happen next. So you need to set aside money for a rainy day.

Even if you have a set aside money for a rainy day, you need to protect your savings against the expense of an extended illness or disability. You should take action now, because the likelihood of needing such long term care is significant and the cost is high. A study reported by the New England Journal of Medicine in 2002 anticipates that 43% of people over age 65 will enter nursing facilities during their lifetime. More than half of the person in a nursing facility stay more than one year, that’s a long term care that you need and that’s somehow is expensive.

Currently, the cost of a year in a nursing home averages about $48,000. In addition to nursing facilities, many people will need long term care services in their home, or community services in adult day care centers. It has estimated that 80% of all people age 65 will need either nursing facility services or home or community services during their lifetime.

You can calculate the cost possibility for your long term care and that is very expensive if you planning to use long term care every year. But you can use one solution to keep lower the cost, Long Term Care Insurance is what you need. If you don’t have insurance, long term care can be expensive, depending upon the amount and type of care needed and the setting in which it is provided. Currently, the cost of a year in a nursing home averages about $48,000. This cost is only an average and varies widely across the country. If you receive skilled nursing care in your home and are visited by a nurse three times a week for two hours per visit for the entire year, the bill would come to about $14,300. If you receive personal care in your home from a home health aide three times a week for a year, with each visit lasting two hours, the bill would amount to about $9,400.