One of the major advantages of long-term care insurance has always been the flexibility that it affords the policyholder to choose the setting and quality of care on their own terms. It makes sure that you are not left to the whims of a governmental agency to decide what care you receive and when and where it will be administered.

As a result, many who have long-term care insurance are choosing to remain independent for as long as possible by receiving home care instead of facility care. This is actually what most people want anyway, and long-term care insurance helps make sure that they enjoy this kind of freedom in their decision making.

A new study produced these findings: “Individuals with long term care insurance receive significantly more home care, the study found. Almost 71% of those covered by LTC insurance received an average of between 5 and 7 days of care each week, while only 35.1% of those without insurance received similar care as often, the study found.”

You can read more about this study by clicking here.