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LTC Long Term Care Insurance Guide

This website provides an online resource, information on long term health care coverage and LTC insurance quotes to help you make better choices.  As you shop for long term care insurance coverage, here are a few tips and guidelines to assist you:

 

  1. Plan ahead. Buy a long term care policy long before you expect to need benefits. The older you are when you buy a long term care policy, the higher your premium will be. Medical conditions can also arise as you get older and will also increase your premiums.
  2. Compare many policies. Policies and services differ between long term care insurance companies. Compare the different coverages and costs.
  3. Licensed agent. Make sure the agent or company selling you the long term care insurance is licensed in your state. Usually you can check with your state’s Insurance Department. do not become
  4.  a victim of insurance fraud.
  5. Carrier rating. Check the long term care insurance company ratings and financial stability. Go online at an insurance rating company for fast and easy service. State department of insurance may also keep records of compliant ratios.
  6. Benefits and exclusions. Check and understand the long term care insurance benefits and exclusions before you buy a policy. Ask questions if you need clarification or have an advisor view the policy.
  7. Never pay with cash. Always pay by check or money order. Make checks payable to the long term care insurance company and not the agent.
  8. Take your time. Do not feel pressured to buy a policy. If you do feel pressured, ask for help from an advisor or local resource.
  9. Review period. Review your LTC insurance policy within the free-look period. Most states have a certain period of time in which you can change your mind. You can cancel the policy and request a refund (no questions asked) within this period. Check with your state insurance department to find out how long the free-look period is in your state.
  10. Never sign a blank application. Answer all questions truthfully. Long term care insurance companies can deny a claim or cancel a policy if the application is incomplete or inaccurate.
  11. Switching policies. If you are changing long term care policies, receive and review the new policy before canceling the current policy.

 

Ready to get started?  Get free, no-obligation LTC insurance quotes from top insurance carriers by completing the quick form at the top of this page.

 

 

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