Who can forget the tumultuous flood that destroyed lives and properties in Nashville last year? Though it’s been over a year since that fateful incident, those faces drawn with fear, every valuable piece of city property crumbled down on the ground, and scores of people killed as an aftermath of the flood will forever be engraved in every survivor’s memory.

It’s not something that Tennesseans were prepared for and thus each one can attest that it definitely took a great deal of prayers, courage and faith that they will rise from this devastation to keep them sane and hopeful.

People will neither be prepared for natural calamities such as what happened in Nashville nor sickness. That’s because they would rather keep these things as far as possible from their minds. Who, after all, would want to entertain the thought of dying in a storm, earthquake, tsunami, or perhaps because of an illness that gradually weakens one’s body before its paralysis?

Unfortunately, death is inevitable being the dead end of one’s journey in life. Though that being the case, it’s something which all of us can prepare for. Before death, there’s old age to deal with.

With the Tennessee long term care partnership insurance, survivors of the Nashville flood and their families are given a second take on life. Don’t let another storm bring you down. Better be prepared for the worse than have the unknown forces of nature leave you drifting homeless and alone in the sea of old age.

There’s every reason to be happy with a Tennessee long term care partnership insurance policy because it will not only ensure your future health and custodial care needs will be fully covered; your assets will be protected, as well.

Without this type of LTCI policy, you’ll have to spend roughly $300,000 or even more on long term care in Tennessee. According to the health industry, people are living longer than expected nowadays. So by the time you require long term care, you might spend a fortune for home care if this is the setting that you would choose.

To be able to afford a home health aide for two years you will need to put aside at least $77,792. As we age, our system will wear off, too. At one point in our lives, we might require a skilled nurse so that would be another $65,882 to put away for a private room in a nursing institution. If you spend another two years here, your total LTC expenses will amount to $209,556.

Unfortunately, this given rate is not yet inclusive of your personal supplies and it is only based on the current rates of LTC facilities in Tennessee. You’ll be spending more in 2030 once prices have shot up according to economists.

Protection from Tennessee Long Term Care Partnership Insurance

This partnership program between private insurance companies and TennCare, Tennessee’s Medicaid program, features the Asset Disregard which allows a policyholder to protect his assets while still qualifying for Medicaid assistance.

Upon purchase of this type of policy you will be allowed to keep assets with a total amount that is equivalent to your partnership LTCI policy’s total maximum benefit. In case you use up all of your benefits and would still require further care, you can apply for Medicaid assistance without the need to spend down your assets.