PRNewswire/ – Baby boomers and senior boomers are  bombarded with sales pitches about their futures, their retirement and getting old. “But don’t let whirlwind messages and slick marketing put you on the fast track to a bad decision,” says Frank N. Darras, a leading disability and long term care insurance lawyer. It may be best to take advantage of free counseling through the long term care insurance Buyer’s Advocate Alliance at http://www.prepsmart.com .

“First of all, it is important to take your time and make the very best choice for you and your family,” says Darras, who has counseled clients on disability and long term care insurance issues for more than 20 years.

Most folks don’t start considering Long-Term Care until they are approaching age 60, but they don’t yet know that earlier may be better, because a key ingredient in the decision to purchase is your family’s health history.

“Many advisors who sell Long-Term Care coverage agree that people who have family health histories of cancer, heart attacks and a myriad of other deadly diseases, would be well advised to consider purchasing Long-Term Care at an earlier age. In these circumstances, age is far less a determinant than critical health issues,” says Darras.

Purchasing coverage to protect you when you get old is very personal. Yet 65% of nursing home residents are under age 65, and buyers should consider shopping earlier in life.  Plus earlier enrollment makes your premiums less expensive.

“Do plenty of research, pick your LTC carrier wisely,” says Darras. Use the free Buyer’s Advocate counseling service. “Understand as we age, our health history may prevent us from qualifying for Long-Term care, so consider your options early on.”

Darras advises that it is important to read and understand the language in your policy and know the definition of skilled care, intermediate care and custodial care. Your choice of policies should include those that pay for all three categories including care given… in the comfort of your own home….

“Your Long-Term Care decisions should prevent you from outliving your retirement nest egg and becoming a burden to those you love, no matter what your age.” says Darras.