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 the...Read entire article »

How Long Will You Have To Pay Long-Term Care Insurance Premiums?

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 »

LTCI: Does Automatic Inflation Protection Guarantee Against Rate Hikes?

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 policy....Read entire article »

How to Identify a Partnership-Qualified Long-Term Care Insurance Policy

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...Read entire article »

State Long-Term Care Partnership Programs: An Overview

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 the large pool...Read entire article »

Preserve Your Long-Term Care Coverage with Inflation Protection

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...Read entire article »

Long-term Care Insurance Explained: What It Is, Types of LTCI Policies & What to Consider

Long-term Care Insurance Explained: What It Is, Types of LTCI Policies & What to Consider What It is For long-term care, health insurance is vital, and LTCI (or Long-Term Care Insurance) can be an effective tool for protecting your assets and estate from the high costs of senior care....Read entire article »

Long Term Care Insurance: How to Choose the Best Elimination Period

Long Term Care Insurance: How to Choose the Best Elimination Period In a long-term care insurance (LTCI) policy, the elimination period is often referred to as the policy deductible. In many ways it is similar to the deductible used in major medical insurance policies. One significant...Read entire article »

Choosing the Long-term Care Insurance Company That’s Right for You

Choosing the Long-term Care Insurance Company That’s Right for You Becoming familiar with the foundational features and options of a good long-term care insurance (LTCI) policy requires taking the time to educate yourself before making your final decision. This will help ensure that you...Read entire article »

Tax Benefits for Long-term Care Insurance: What You Qualify For

Tax Benefits for Long-term Care Insurance: What You Qualify For If affordability is one of the concerns keeping you from investing in a LTCI policy, consider the tax benefits that go along with LTCI. What Congress isn’t Doing to Help It would be wonderful...Read entire article »

How Do You Select A Daily Benefit For Long-term Care Insurance?

How Do You Select A Daily Benefit For Long-term Care Insurance? The five foundational features of most LTCI policies are: the daily benefitthe benefit periodthe benefit settingthe elimination periodthe inflation protection benefitAll five of these features are very important and have a major impact on...Read entire article »

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