4. Other types of insurance.

4. Other types of insurance.
Also discussed above, the main types of insurance, without which we would not advise you to do, there are several useful types of insurance, most of which appeared recently. Among them are the following:
Insurance long medical care (Long Term Care Insurance). This type of insurance reimburses your costs for medical care in a long time. This insurance can include:
assistance related to health (Health-Related Care), which includes the general care, nutrition, collection of medical information (temperature, pressure, etc.) as well as dietary supervision;
Stewardship Care (Custodial Care), ie assistance in the implementation of daily living needs such as dressing, feeding, medication, washing, etc.
Depending on the conditions of the contract, such forms of assistance (together or separately) or can be provided in a hospital or in a hostel, or at home. Service may be around the clock or only during certain times of day (day or night).
What you are younger, the less will be your annual payment. Therefore it is better to worry in advance about this service. It should be borne in mind that
according to the U.S. Department of Health likelihood that during the life of you though. least once required long-term care, ranging from 20 to 45%, and the cost of such care is very high - in New York, she is more than $ 100 a day, or 40 000 dollars a year.
quality medical care (Skilled Nursing Care), carried out by a registered nurse under the direction of a physician. This is the most expensive form of insurance, and it provides that a qualified assistance could be provided to you round the clock;
Medicare supplementary insurance. (Medicare Supplement Insurance). This type of insurance is in addition to Medicare and cover the expenses are not included in this government program of medical care. If you use Medicare, then this type of insurance is very important for you as well as in the case of serious illness the amount of expenses not covered by Medicare, can be very high. It should be borne in mind that no additional insurance is Medicare does not provide one hundred percent to cover possible medical expenses. However, there are certain minimum standards of cover, which reviewed the state governments each year.
"Umbrella Insurance" (umbrella insurance). This type of insurance is to cover the costs exceeding the amount determined by the usual insurances for damages caused to your accommodation, car and personal property (as well as damage to your property of others). Umbrella insurance is not only raises the ceiling of payments (usually up to $ 500 000), but also includes some non-material damages - such as damage due to slander. General insurance, are exempt from personal liability (comprehensive liability insurance). Such insurance shall compensate damages caused by you or your family to others (unless, of course, your actions do not involve criminal liability). Remember that in the event of legal claims of the amount in dispute can be enormous - here with America can not compete any other country, so do not ignore the possibility of protection against such a big trouble.