Long term care insurance ratings give you an idea of how an insurer handles claims. Long term care insurance ratings also show you how solid an insurer is. You'll do well to know how to use them and who to go to for those ratings.

People who need long term care need assistance in simple essential daily activities like bathing, dressing and eating. It's tough enough. Don't add the extra burden of having to run from pillar to post when you make claims.

It's best to choose a company that has a solid reputation in long term care insurance. Some insurance companies have been known to delay settling claims. This unethical practice is based on the fact that if claims are delayed some of the claimants may die.

Avoid any company that has poor long term care ratings. Make sure you are satisfied with the insurer you intend to sign up with. You can visit (online) your state's Department of Insurance to find out an insurer's track record.

You can also check their ratings from independent research organizations like AM Best, Duff Phelps, Standard