- Financial Planning for Long-term Care
- Long-term Care Insurance
- Applying for LTCI
- Why and When to Purchase
- Which Policy Should You Buy
- Preparing & Understanding Legal Documents
- Legal How-to's
- What About My Home?
- Seniors & The Financial Crisis
- Medicare, Medicaid & Insurance
- Paying for Senior Care
- Protecting Loved Ones
Long-term Care Insurance
Applying for LTCI
Does Your State Have A Long Term Care Insurance Partnership Program?
The long term care partnership program is an initiative that was outlined in the Deficit Reduction Act of 2005. Each state can decide whether or not to enact the program for its residents. It is not mandatory. ... Read entire article »
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The Underwriting Process: How the Price of your LTCI Premiums are Determined
In my last article I discussed the process for long-term care insurance underwriting. Now I will try to answer one of the most common questions about premium rates, which baffles consumers who are considering p... Read entire article »
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Why You Could Be Declined For Long-Term Care Insurance
In most cases, if you are in reasonable health you can expect to be approved for long-term care insurance. But approval is not automatic and there are guidelines that the major carriers use to determine who qua... Read entire article »
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Study Reveals Benefits of Starting Long-term Care Planning Pre-retirement
Editor’s Note: When should you be looking into LTCI is a question many Americans are facing. The following press release
is reprinted courtesy of the American Association for Long-Term Care Insurance,... Read entire article »
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Why and When to Purchase
Do You Really Need Long-Term Care Insurance?
In my discussions with consumers who may be considering the purchase of long-term care insurance, they often try to determine whether they will need long-term care services in the future—and the cost of t... Read entire article »
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Buying Long-Term Care Insurance: What Is the Best Age to Purchase?
I am often asked about the best or optimal age to buy long-term care insurance. My answer is that it depends on what you want long-term care insurance to accomplish. If you want to be truly covered against the ... Read entire article »
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The Advantages of Long-Term Care Insurance for Couples
Long-term care insurance is a good financial protection vehicle for anyone who has enough assets to protect and can comfortably afford the premiums. It can help ensure that all of the time and effort you have s... Read entire article »
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No Long-Term Care Insurance? Read This!
There are several reasons why consumers may choose not to buy long-term care insurance. Some of those reasons may be based on very sound decisions. For instance, if you have made a thorough investigation into t... Read entire article »
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A Sneaky Secret About Long-Term Care Insurance Premiums
Affordability is a key ingredient in any successful long-term care plan. That is why the premium cost is often the most important factor to consumers who are considering the purchase of LTCI.
“Will My Pre... Read entire article »
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Fund Unexpected Elder Care Costs with Your Personal Resources
When shifting circumstances bring unexpected elder care costs, they also bring the urgency of having to make short and long-term financial decisions. It is at this point that one must confront the reality of th... Read entire article »
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Which Policy Should You Buy
Your Long-Term Care Insurance Plan: How to Find an Affordable Policy without Sacrificing Coverage
A vital ingredient in any successful long-term care insurance plan is to have an affordable policy without sacrificing good coverage. If you receive quotes from several highly rated insurers and yet find that t... Read entire article »
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How Long Will You Have To Pay Long-Term Care Insurance Premiums?
No one likes to pay insurance premiums of any kind and long-term care insurance is no exception. We pay these premiums because the alternative leaves our investment assets and retirement income exposed to high ... Read entire article »
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LTCI: Does Automatic Inflation Protection Guarantee Against Rate Hikes?
In A Sneaky Secret About Long-Term Care Insurance Premiums, I discuss the possibility of LTCI premium increases due to selecting an inflation protection option that is not automatic at the inception of the poli... Read entire article »
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How to Identify a Partnership-Qualified Long-Term Care Insurance Policy
In previous blog articles I have discussed the long-term care insurance partnership program that almost two thirds of the states have already put in place or are in the process of approving for their residents.... Read entire article »
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State Long-Term Care Partnership Programs: An Overview
Both state and federal governments have begun to realize that long-term care costs have the potential to become a major budgetary problem in the not-too-distant future. One significant contributing factor is th... Read entire article »
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Preserve Your Long-Term Care Coverage with Inflation Protection
Recently I wrote about selecting a daily benefit for your long-term care insurance (LTCI) policy. Making sure that you start your policy with a daily benefit amount that matches the current cost of care is vita... Read entire article »
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