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Before Buying Individual Long-Term Care Insurance,
What Questions Should I Ask?
. Has this company increased premiums on policies it
has sold to other consumers in California or in other states?
. How long has this company been selling long-term
care insurance?
. What Nursing Homes, RCFE's and Home Care providers
are near my home and covered by the policy?
. What are my choices for: Daily Maximum, Lifetime
Maximum, Elimination Period and Inflation Protection?
. If the policy requires an Elimination Period, do
I have to meet it only once, or more than once during my lifetime?
. May I hire anyone I choose to provide personal care
and Homemaker Services under this policy? If not, what are the qualifications
that care providers must meet?
. If the policy waives the premium
1. How is it waived?
2. Does the waiver apply to all the benefits or only
to nursing home care?
3. What happens to any premiums I have already paid?
Long Term Insurance
| Bluecross Long Term |
California Long Term Insurance
| Kaiser Long Term |
Long Term PPO plans|
Long Term Medical plans | Long
Term Dental Insurance |
Long Term Group
Insurance | Long Term Blueshield
| Long Term Health Insurance
|
Long Term Health
plans | Long Term Health net
| Long Term Pacificare | Long
Term Medical Quote |
Long Term Aetna
PPO plans | Long Term Insurance
Quote | Long Term HMO plans
|
Long Term Life
Insurance | Long Term Dental
plans
|
