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Is long-term care insurance worth buying in your 50s? Experts weigh in
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You should strongly consider purchasing long-term care insurance as you age. Long-term care services can be costly, and since most older adults will need them, it’s important to plan for that cost well in advance. Long-term care insurance can help you absorb those additional costs later in life by paying for services like nursing homes, assisted living communities, home health aides and more.
But, you may be at a loss if you’re in your 50s. After all, at 50, you’re more than a decade from retirement age and it’s normal to wonder whether spending money on long-term care insurance premiums now would be a waste.
Then again, you never know when the need for long-term care may arise – and there may be other benefits to purchasing this type of insurance in your 50s. So, should you purchase a policy in your 50s? We asked multiple long-term care experts to weigh in.
Compare your long-term care insurance coverage options today.
Is long-term care insurance worth buying in your 50s? Experts weigh in
Long-term care insurance is a strong product to consider in your 50s. For starters, it’s typically less expensive and more available when you’re younger. “Long-term care insurance in your 50s can be a wise investment,” explains Larry Nisenson, CGO at Assured Allies, a firm that helps consumers plan for their long-term care needs. “The cost is lower because premiums are based on your age and health, which are generally better in your 50s. Even an unexpected health change could make it difficult or expensive to get coverage later.”
“Should you buy long-term care insurance in your 50s? Absolutely,” explains Virginia Barausky, National Director of Sales at The Pinnacle Group, a firm that helps consumers and financial advisors plan for long-term care needs. “This is the best time to take a look at long-term care policies,” she said. “Policies are priced based on age as one of the factors, and putting a policy in place in your 50s vs. 60s or 70s, will truly save you money.”
Not to mention, your health plays a role in the affordability and availability of coverage. “Most people in their 50s tend to be very active and healthy, which allows for a better approval chance (there is an underwriting component to most policies),” Barausky added.
Long-term care insurance is an important source of protection for your children, too. “Those in their 50s may have first hand experience dealing with parents in a long-term care situation,” says Barausky. “This issue becomes front of mind as they look towards their own children and do not want to be a burden when they need care.”
It’s also important to think about your spouse. “If one spouse needs care, all assets could be spent leaving the surviving spouse with very little,” explains Steve Azoury, ChFC and owner of the financial planning firm, Azoury Financial. “This could make buying long-term care insurance while you’re still young worth it, shifting the risk of needing care onto the insurance company.”
Finally, purchasing your coverage in your 50s may mean you have more benefits to fall back on. A key advantage to purchasing your policy at this age is that “your policy funds have a longer period of time to grow with the compound inflation protection benefit,” explains Lori Martin, trainer for Certification for Long-Term Care, a company that provides certifications for long-term care insurance agents. “Someone who purchases a long-term care insurance policy at age 55 may not need any caregiving assistance until they are 85. That’s 30 years of inflation protection growth on purchased benefits, providing even more funds to pay for care.”
The bottom line
The bottom line is simple. If you’re in your 50s and don’t already have long-term care insurance, now is a compelling time to purchase a policy. Considering the fact that your age and health play a significant role in your premiums and acceptance, purchasing long-term care insurance now can offer savings. And, since a long-term care event can also have an impact on your children, spouse and other loved ones, purchasing a policy can offer peace of mind for all involved. Compare your long-term care insurance coverage options today.
CBS News
How to watch the Indianapolis Colts vs. New York Jets NFL game today: Livestream options, more
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It will be the Indianapolis Colts versus the New York Jets in a game at MetLife Stadium in New Jersey today. The Colts, coming into the game with a record of 4-6, will be aiming to break a three-game losing streak. The Jets, meanwhile, have only won three of their first 10 games this season, the latest loss coming against the Arizona Cardinals on November 10.
Keep reading to find out how and when to watch the Indianapolis Colts vs. New York Jets game today, even if you don’t have cable.
CBS, Paramount+ and CBS Essentials are all subsidiaries of Paramount Global.
How and when to watch the Indianapolis Colts vs. New York Jets game today
The Indianapolis Colts vs. New York Jets game will be played on Sunday, November 17, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The NFL football game will air on CBS and stream on Paramount+ and the platforms featured below.
How and when to watch the Indianapolis Colts vs. New York Jets game without cable
While CBS is available with many basic cable packages, you’ll have other viewing options, too. Whether you have cable or have completely cut the cord, the game will be available in a variety of other ways. Just understand that the below streaming options will require the use of an internet provider:
Paramount+: Watch CBS-aired NFL games without cable
With Paramount+ you’ll have multiple viewing options to choose from. You can catch NFL games on the Paramount+ Essential tier for just $7.99 each month or you can watch college football with a Paramount+ with Showtime subscription for $12.99 monthly. In addition to live streams of NFL games airing on CBS, you’ll get to watch additional live sporting events including NCAA college football, PGA Tour golf, soccer and more.
Get started with Paramount+ here today.
Amazon Prime Video: Add Paramount+ to your existing subscription
Already have an Amazon Prime Video account? Simply add Paramount+ to your current subscription to watch all the CBS-aired NFL games in addition to Paramount+ originals. The same prices from above apply, depending on which tier you choose. Not sure which is best for you? Don’t worry. Both options come with a free seven-day trial that can help you decide.
Watch the Colts-Jets game on Amazon Prime Video.
Fubo: Watch the Colts-Jets game for free
Looking for an inexpensive way to watch football? Fubo could be the best way to do so. The live TV streamer is currently offering a seven-day free trial and $30 off of your first month’s subscription. Once subscribed, you’ll gain access to all of their live sporting events immediately. And there will be a lot to choose from. Not only does Fubo come with access to NFL games airing on your local CBS channel, it also includes Fox Sunday NFC games, “Sunday Night Football” on NBC, “Monday Night Football” on ABC and ESPN and all of the games that air on the NFL Network. So don’t wait.
Get started with Fubo online now.
As the football season ramps up you may want to stock up on the latest NFL gear and merchandise. Fanatics is a great way to do so. With the latest player apparel and more, there’s plenty of stuff in stock to keep you covered this season. But don’t wait much longer. As each week in the season passes by competition for this limited merchandise will increase. Don’t wait for it to sell out.
Head over to Fanatics now to check out the latest NFL fan gear drop.
CBS News
How to watch the Green Bay Packers vs. Chicago Bears NFL game today: Livestream options, more
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The Green Bay Packers will be facing off with the Chicago Bears today. With a 6-3 record, the Packers have had a solid season overall so far this year, but are coming off of a tough 24-14 loss in last week’s game against the Detroit Lions. The Packers will be looking to recover with a win against the Bears, who have had a tough season so far with a 5-4 record and a three-game losing streak, including last week’s 19-3 loss against the New England Patriots.
Here’s how and when you can watch the Green Bay Packers vs. Chicago Bears game today, whether or not you have cable.
How and when to watch the Green Bay Packers vs. Chicago Bears
The Packers vs. Bears game will be played on Sunday, November 17, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Green Bay Packers vs. Chicago Bears game without cable
You can watch Fox through several streaming services if it’s not included in your cable package or if you don’t have cable. All you need is an internet connection and the top options outlined below.
Fubo, a contract-free live TV streaming service offering comprehensive sports coverage, gives you an easy, user-friendly way to watch NFL games on CBS, Fox, NBC, ABC, ESPN, and NFL Network, plus NCAA football channels. The Pro tier includes 200+ channels and unlimited DVR, while the Elite with Sports Plus tier adds NFL RedZone and 4K resolution. New subscribers get a seven-day free trial and all plans allow streaming on up to 10 screens simultaneously.
One of the most cost-effective ways to watch major sporting events is through a subscription to Sling’s Orange + Blue tier ($60/month, currently half-off first month at $30), which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games, and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
You can watch NFL games, including Fox broadcasts, with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
If you want to watch today’s game live on your smartphone, the NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
CBS News
How to watch the Los Angeles Rams vs. New England Patriots NFL game today: Livestream options, more
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The Los Angeles Rams are taking on the New England Patriots today. After pulling off a three-game win streak, the Rams will be trying to recover following last week’s 23-15 loss against the Miami Dolphins. The Patriots, who are 3-7 so far this season, will be looking to keep the momentum going after last Sunday’s impressive 19-3 win against the Bears.
Here’s how and when you can watch the Los Angeles Rams vs. New England Patriots game today, whether or not you have cable.
How and when to watch the Los Angeles Rams vs. New England Patriots
The Rams vs. Packers game will be played on Sunday, November 17, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Los Angeles Rams vs. New England Patriots game without cable
You can watch Fox through several streaming services even if you don’t have cable. All you need is an internet connection and the top options outlined below.
Fubo, a contract-free live TV streaming service offering comprehensive sports coverage, gives you an easy, user-friendly way to watch NFL games on CBS, Fox, NBC, ABC, ESPN, and NFL Network, plus NCAA football channels. The Pro tier includes 200+ channels and unlimited DVR, while the Elite with Sports Plus tier adds NFL RedZone and 4K resolution. New subscribers get a seven-day free trial and all plans allow streaming on up to 10 screens simultaneously.
One of the most cost-effective ways to watch major sporting events is through a subscription to Sling’s Orange + Blue tier, which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games, and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
You can watch NFL games, including Fox broadcasts, with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
If you want to watch today’s game live on your smartphone, the NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
How to watch the Indianapolis Colts vs. New York Jets NFL game today: Livestream options, more
How to watch the Green Bay Packers vs. Chicago Bears NFL game today: Livestream options, more
How to watch the Los Angeles Rams vs. New England Patriots NFL game today: Livestream options, more
How to watch the Indianapolis Colts vs. New York Jets NFL game today: Livestream options, more
How to watch the Green Bay Packers vs. Chicago Bears NFL game today: Livestream options, more