Links to More Information
If you're computer-comfortable, here are some national LTC sites that will provide you with current, objective LTC planning ideas.
Please give them a try and let us know of any questions you have; we're happy to discuss these with you.
American Association for Long Term Care Insurance
Provides a wealth of information for consumers. Click on the two-minute message from the director, Jesse Slome, and then go to the "For Consumers" tab for more specific information. It's what most consumers have been looking for!
The National Clearing House for Long Term Care Information
An overview of public and private LTC options.
What Do You Want Your LTC Plan To Do?
Standard options offered by most
companies:
- Tax-qualified coverage
- Inflation protection
- Choice of daily or monthly benefit
- Choice of benefit period
- Restoration of benefits
- Waiver of premium
- Shared benefit with spouse
- Survivorship benefit
- Return of premium benefit
- Non-forfeiture rider
- Homemaker services
- Adult day care
- Home modifications
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Unique Options offered by a few, select companies:
- Cover the Catastrophic Risk
- Provide Home Care only
- Let you choose your own Personal Caregiver
- Pay benefits on Day One
- Have Flexible Co-Pay Arrangements
- Pay a One-Time, or Limited-Time, Premium
- Offer Worldwide Coverage
- Have unlimited daily benefits
- Be approved for your health condition
- LTC, life insurance, and cash value all in one package
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