Long-term care insurance: Your questions answered

A column two months ago on the long-term care insurance has attracted many questions from interested readers. I called Jesse Slome, executive director of the American Association for the long-term care insurance, get expert answers to some of them.I paid long-term care policy premiums $ 8000 per year for 15 years to cover my wife and myself. My wife was in hospital a few times over the last six months, followed by rehabilitation for various problems associated with dementia. Long Term Care Partners LLC has given us a start date of our claim in October 2011, but despite 60 pages of payments made by Medicare documented in the various hospitals and rehabilitation centers since the start date, they are even reports that we have not met their 90 - day waiting period before benefits can begin. "
First, the American Association for the long-term care insurance can help people with problems with claims. Contact them at 818-597-3227 or http://www.aaltci.org/contact/.
Second, Slome said make sure to read the fine print when you sign up for care, as it varies slightly from policy to policy. To satisfy the condition of "long term" care, you must need help with activities of daily living for 90 days. However, say a doctor recommends that you care only two days a week. A policy can count all this week to 90 days, while another policy could count only two days - which means it can take nearly a year to reach the end.
Another reader, "age 78 and healthy," wondered how to find low coverage. "We had to pay $ 500 a month, but had to cancel due to being short of money retirement, "said the reader.
Slome considers $ 500 per month to be high. Each year, the association studies the price of a plan for middle-of-the-road that pays about $ 180,000 for an individual or $ 300 000 for a couple, indexed to rise with inflation. For new enrollees at the age of 65, the median price is about $ 4,400 per year for a couple. Coverage is available for those who are older, but medical examinations will be very thorough.
However, several vendors have recently increased premiums. In the case of a rate hike, it may be possible to negotiate your benefits and keep the same rate, for example by lowering the inflation rate of 5 percent per year to 3 percent.
A reader with fibromyalgia and some wrote back issues worrying about the result of his medical examination.
Slome said the "sweet spot", or the best time to sign up for a policy of long-term care, is in your mid-50s and 64. This is because, at age 65, everyone is in a qualifying examination of Medicare, who may turn to new problems. Before you register for the examination of insurance, make sure you are updated, taking all drugs so that indicators such as blood pressure and cholesterol are as good as possible - Slome acknowledges itself is a "bad boy" when it comes to this subject - and you do not have to be smoking.
Finally, a reader expressed concern that insurers seemed to be out of the business of writing policies in the long term care insurance. Met Life, for example, has stopped offering such policies in 2010.
Slome says it is undeniable that the activity of the long-term care insurance is now changing, partly due to historically low interest rates. Keep in mind that even if no new policies are being written, the company must honor existing policies. Three insurers recommend it as being committed to the company and having the volume to support it are the Mutual of Omaha, John Hancock and Genworth Financial.
He also says that to find the best plan, you need to find a qualified agent. You should look for someone who sells more than 20 policies long-term care per year representing 10 or 11, not 2 or 3 of the leading companies, and has customers who went on request (which means that the agent has probably been selling policies for several years).
Do not be afraid to ask a potential agent directly if he or she meets these specifications.
(Anya Kamenetz Last book "is" DIY U:. Edupunks the Edupreneurs, and the coming transformation of higher education "She welcomes your questions



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