 
Health Insurance California >> Long Term Care >> Reasons Buying Long Term Care Reasons for buying Long-term care Your personal risk of getting long-term care depends on many factors. Some of those are whether you are a male or female, how long you live, your health history and whether you have a spouse or family member who could provide some of the health care you will need. • Longevity: The longer you live, the more liable it is that you would need long-term care. Those who live to be 95 years old or older than that are much more likely to have spent five or more years in a nursing home than those who die in their mid-80. Much less is known about the use of home care services. • Your Gender: Women are normally at a much higher risk of needing to pay for formal long-term care for quite a few reasons. Women not only have longer life spans but they often live longer than their spouses. When they need care in their elder age, there is often no one to care of them at home and they are more likely to need institutional health care as a result of all these factors. • Married or Single: If you have a spouse at home or any other family members who could provide care for you are more apt to be able to remain in ones own home when you need actual care. If family members are unable to provide you health care, and if you cannot pay someone to take care of you, then a nursing home may be the only best option available. The condition that causes you to require long-term care, and the severity of that condition, might decide whether you could be cared for at your own home or whether institutional care is the only available option. For instance, a severe stroke could be so disabling that good care at home is not possible, or an Alzheimer’s patient may need constant supervision. • Health factors: Certain
health conditions, like Alzheimer’s or a stroke, could cause a requirement
for long-term care. If you are aware that certain health conditions run
in your family, you might have a greater risk of needing long-term care
than any other person of the same age and gender. Unfortunately, it might
be that this known health condition can also make you disqualified to
buy this type of health
insurance.
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