July 29, 2014 -  The thirteenth installment in the Real People - Real Long Term Care Insurance Savings Ideas was posted today by the American Association for Long-Term Care Insurance.

"This has become the most visited page on the Association's website," declares Jesse Slome, executive director of the Association, a national trade group focused on creating heightened awareness.   "Clearly people are seeking to understand how to best compare long term care insurance to get the best coverage for the best cost."

The Association began posting examples of real ways different consumers approached their own personal long term care planning.  "We are sharing ideas that few consumers know and that's simply because most insurance agents sell a one-size-fits-all approach to long term care insurance," Slome admits.

This week's installment focuses on a college professor with considerable savings and retirement income.  "Many people in this position have the ability to pay for the cost of long term care but they want insurance to pay some of the cost which makes sound financial sense," Slome shares.

"In this case, the long term care insurance specialist suggested a 365 day Elimination Period whereby the client would cover the first year of any costs," Slome notes.  "That reduced the cost of insurance considerably but we share more about how the nuances of policy language are important come claim time."

"We encourage comparison shopping but few consumers have the time or knowledge to really compare policies," Slome adds.  "True expertise comes from experience that is really acquired over time."

The American Association for Long Term Care Insurance is a national organization that advocates for sound and responsible planning for the real risk of needing long term care services.   For no obligation long term care insurance cost comparisons contact the Association at 818-597-3227.  To read the Real Stories visit the Association's website at http://www.aaltci.org/ideas