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Care Insurance Q & A's
Basics
What Is Long Term Care?
How Long Is “Long-Term”?
Who Pays For Long Term Care?
Who Should Consider Purchasing Long Term Care Insurance?
Why Should Someone 45 Years Old Worry About Long Term Care?
Where Can I Get Long Term Care Insurance?
Why Is It Important To Know How Much Nursing Facilities Charge In Your Area And The Type Of Care You Will Receive?
I Can Buy Nursing Home Insurance. Is That The Same As A Long-Term Care Insurance?
Does Medicare Cover Long Term Care?
Does Medicaid Cover Long Term Care?
Will A Long-Term Insurance Policy Affect My Eligibility For Medicaid Benefits?
Does Medical Insurance Cover Long Term Care?
How Much Do I Need
What Are The Factors I Should Consider In Analyzing My Need For Coverage?
Is There A Certain Amount I Should Buy?
Now That I Know What To Consider, How Do I Determine What To Buy?
What If I Have Enough Saved To Pay For Extensive Long Term Care?
Can Anyone Who Can Afford It Buy A Long Term Care Policy?
My Only Source Of Income Is Social Security. Should I Buy A Long Term Care Policy?
My Mother Has Early Onset Parkinson’s Disease. Will She Be Able To Purchase A Policy?
Do Plans Offer Unlimited Lifetime Benefits?
Do I Need Multiple Policies To Get Enough Coverage?
Suppose I Buy At Age 45, Won't I Be Paying More In Premiums Than I Might Ever Get In Benefits?
Long-Term Care Policy
What Kind Of Care Is Covered By Long Term Care Policies?
What Activities Are Included In The ADLs (activities Of Daily Living)?
What Services Are Typically Not Covered?
How Does A Comprehensive Policy Differ From A Non-Comprehensive One?
How Soon Do I Get Benefits?
What Is A Cognitive Impairment?
Will I Have To Be Examined By A Doctor To Buy Long-Term Insurance?
What About Pre-Existing Conditions?
Do I Need To Give Personal Information About My Medical Condition And Finances To Get Long-Term Care Insurance?
What Happens To The Medical Information From My Application?
What Happens If I Make A Mistake On The Application?
Are Long Term Care Policies Standardized Like Medicare (Medigap) Supplements?
If My Sister Performs The Service In My Home, Will The Policy Provide The Benefits?
Features Of A Typical Policy
Renewability
Free-Look Periods
Waiver Of Premiums
Elimination Periods
Home Health And Convalescent Benefits
Pre-Existing Conditions
Types Of Facilities And Levels Of Care
Alzheimer’s Disease And Senile Dementia
Amount Of Coverage
Lifetime Maximum Benefits
Daily/Monthly Benefit Amounts
Return Of Premium
Inflation Rider
Non-Forfeiture Clause
Non-Cancelable Clause
Bed Reservation Benefit
Restoration Of Benefits
Cost Of Policy
Incontestability
Tax Implications
There Are Tax-Qualified And Non-Tax Qualified Plans: A Brief Word
How Do I Identify A Tax-Qualifed Plan?
What Are The Qualifications For The Tax Deduction?
How Much Does It Cost
How Are Premiums Calculated?
Are Discounts Generally Available For Married Couples?
Do I Have To Pay Premiums Until I Die?
I Have Done My Homework And Know What To Buy And From Whom To Buy It. However, I Suffered From Sticker Shock When I Investigated The Price. What Should I Do?
What If I Miss A Premium Payment—Do I Lose My Insurance?
Can I Have The Premiums Automatically Deducted From My Bank Account?
Can I Renew My Coverage?
Can I Change My Mind And Get A Full Refund After Buying A Policy?
What Should I Consider Before I Swap An Old Policy For A New One?
Choosing The Insurance Company
Shopping For Coverage. How Do I Determine From Whom To Buy?
Should I Worry About The Company’s Financial Soundness?
How Do I Check Up On A Company’s Financial Strength?
What Services Examine And Rate Insurance Companies?
What Happens When A Company Becomes Insolvent And Is Liquidated?
Claims
Do I Have To Be Hospitalized Before The Policy Will Pay For Long-Term Care Services?
Can A Company Refuse To Pay A Claim?
What Is The Difference Between Benefits Paid On The Reimbursement Method And The Indemnity Method?
Glossary
Glossary Of Long Term Insurance Terms
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