Should you buy long-term care insurance?

If you’re over 50 years of age chances are good that you’ve been solicited by an insurance company trying to sell you long-term care insurance to cover nursing home expenses in the event that you become in need of acute care.


 There is good reason to be concerned about the costs of acute nursing home care, especially if you live in New York State.  The cost of such care in New York is nearly 50% higher than the national average. In Monroe County alone, nursing home care runs approximately $11,000 per month, on average.


It makes good sense for most people  reaching advanced age to be informed and to understand the nursing home payment situations.  It is important to know  what your options are, to select the option that works best for you, and to plan to make sure that your intentions become effective.  For many people, obtaining Medicaid coverage for long-term care is a major consideration.


 For those of you considering long-term care insurance, you should know that it is expensive and unnecessary for most people.


 If you have questions about long-term care insurance, nursing home expenses, and Medicaid eligibility please call my office and ask me to inform and guide you about everything you’d want to know about these matters.  You can reach me at 585-687-8529, or email me at


 Keep healthy!



John Suda Law Firm



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