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What is long term care insurance?

Long term care is a phrase used to describe the car

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

e given to people who need assistance doing everyday things – eating, using the bathroom, mov

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

ng, bathing, dressing – and long term care insurance is the insurance that helps cover the co

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

st of this assistance. Long term care may be provided in a nursing home, an assisted living f

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

cility, or even at home.

Should I buy long term care insurance, and if so, when?

Not

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

if you are lucky enough to have friends and family members who will agree to dedicate the t

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ime to help you with these every day activities; however, even those who love you the most

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ill need a break occasionally.

Federal and State programs such as Medicaid and Medicare may

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

over the costs of long term care, but not everyone qualifies for these programs. If you are

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

considered too wealthy for these programs, you may want to consider purchasing long term

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

care insurance.

Purchase long term care insurance at a young age; at least before the age of

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

60. Younger people are less likely to be turned down, and premiums are lower for younger

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

applicants.

Is there any way to save money?

Sure. Shop around and compare long term

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

are insurance companies. Try buying a group policy from your employer. Choose a policy with

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

a longer waiting period. Buy a joint policy with your spouse. Look for policies that cover

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

most of the cost, rather than all of the cost.

How do I find a dependable long term car

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

insurance company?

As is the case with all insurance companies, check them out with ind

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

pendent rating companies. Make sure the company has a good reputation, has been around fo

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

r a while, and is financially stable. You may purchase a long term care insurance policy to

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

ay, and not need it for fifteen years. Is the company you choose going to be around by then

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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At the start of this New Year, I'm often asked what I think the best investment for 2005 will be. Investors are always looking for financial guidance to steer them through the uncertainty of the future. While it's important to keep up with trends and cycles in the markets, there's one very important investment that most people fail to make – investing in life.

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