Content Overview
- Summary
- "Long Term Care" Defined
- How To Decide Whether To Purchase Long Term Care Insurance
- Effect Of A Pre-Existing Health Condition
- Long Term Care Partnership Policies
- Health Conditions Which Are Most Likely To Require Long Term Care
- How To Purchase A Long Term Care Insurance Policy
- What Happens When You Apply For A Long Term Care Insurance Policy
- What To Do Once You Have A Long Term Health Insurance Policy
- Filing A Claim Under A Long Term Care Insurance Policy
- Qualifying For Medicaid If Your Benefit Runs Out
- Long Term Care Ombudsmen
Long Term Care Insurance 101
How To Purchase A Long Term Care Insurance Policy
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Because of the difficulty of purchasing a Long Term Care Insurance Policy for a person with a history of a serious health condition, it is advisable to get help from an experienced broker and/or use an online service that can obtain several quotes.
You can locate a broker specializing in Long Term Care Insurance through web sites such as:
- American Association of LongTerm Care Insurance: www.aaltci.org/agent_locate.html , Tel.: 818.597.3227
- Long Term Care Financial Partners which includes brokers throughout the U.S. www.ltcfp.com or Tel.: 866.471.4071
You can obtain online quotes at several websites including the following well known sites.
NOTE When reviewing home care benefits- check to see ifa policy allows you to use the policy to pay for care by family members or neighbors. Some insures require 100% of home care to be provided by licensed providers who are hired through an agency.
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