Expert Column
Duane Lipham 
CLTC
Duane Lipham is a Certified Long-Term Care (CLTC) consultant who writes extensively on long-term...read more
Articles In This Column
- Do You Really Need Long-Term Care Insurance?
- Does Your State Have A Long Term Care Insurance Partnership Program?
- Buying Long-Term Care Insurance: What Is the Best Age to Purchase?
- Your Long-Term Care Insurance Plan: How to Find an Affordable Policy without Sacrificing Coverage
- Top 8 Facts About Long-Term Care Insurance in 2009
- How Long Will You Have To Pay Long-Term Care Insurance Premiums?
- The Underwriting Process: How the Price of your LTCI Premiums are Determined
- Long-Term Care Insurance: The Application & Underwriting Processes
- Why You Could Be Declined For Long-Term Care Insurance
- The Advantages of Long-Term Care Insurance for Couples
- No Long-Term Care Insurance? Read This!
- LTCI: Does Automatic Inflation Protection Guarantee Against Rate Hikes?
- A Sneaky Secret About Long-Term Care Insurance Premiums
- How to Identify a Partnership-Qualified Long-Term Care Insurance Policy
- State Long-Term Care Partnership Programs: An Overview
- The Most Common & Expensive Long-Term Care Insurance Mistake
- Preserve Your Long-Term Care Coverage with Inflation Protection
- Long Term Care Insurance: How to Choose the Best Elimination Period
- Do You Really Need All Those Long-Term Care Insurance Options?
- Are Tax-Qualified LTCI Policies Consumer Friendly?
- Choosing the Long-term Care Insurance Company That’s Right for You
- Tax Benefits for Long-term Care Insurance: What You Qualify For
- How Do You Select A Daily Benefit For Long-term Care Insurance?
- Which is Better: Individual Long-Term Care Insurance or Group Plans?
- Preparing for the High Cost of Long-Term Care
- When Should You Consider Buying Long-Term Care Insurance?
- The Facts: What Medicaid Pays for Long-term Care
Financing Long-Term Care
Comments For "Which is Better: Individual Long-Term Care Insurance or Group Plans?"
My company has been discussing adding ltci to our benefits package. I'm so glad I read this post! I wouldn't have known what to look for and to see if going out on my own is actually a better option.
I have passed your article along to an insurance professional. I am buying my LTC insurance through him instead of from my government employer. For the same premium he was able to get my husband and me much better benefits. One reason is the 30% spouse discount the carrier gives to married couples purchasing at the same time.