Wednesday, March 28, 2012

Married Couples: One Spouse gets Approved for Long-Term Care but the Other Spouse is Declined - What are your Options?

This is a common situation that happens in the long-term care insurance industry - where a couple applies for long-term care insurance but only one spouse gets approved for coverage and the other spouse is declined (typically due to a health condition). So the question is - what are your choices for the uninsurable spouse? Unfortunately, there are not too many options out there. First they can try and get the spouse approved by another long-term care insurance company, since each company does have different underwriting policies, but this is not a guarantee that they will get insured. If that is the case there is another option that only few LTC Insurance companies offer. It is an additional benefit that can be purchased on the insured spouses policy that will provide additional funds when the insured spouse goes on claim. This money can be used to pay for long-term care insurance services and/or living expenses for the uninsured spouse. It varies from company to company how much this benefit will cover. These funds do not effect the insured spouses policies maximum lifetime benefit.

To learn more have a licensed long-term care insurance specialist contact you by completing this form at

Wednesday, March 21, 2012

Long-Term Care, Home Health Care

When most people think of long-term care services they think nursing home care, but did you know that long-term care insurance can actually help keep you out of a nursing home? Most long-term care insurance policies today cover home health care, which is where most of us want to be and remain - in our homes! These LTC Insurance policies typically cover a variety of benefits that will help you stay in your home which include personal care services to assist you with your activities of daily living, homemaker services to help with grocery shopping, meal preparation and housekeeping and there are professional services of a RN, home health aide or therapist. Some policies will even include other benefits to include informal care (payment to a friend of family member to care for you), special equipment (wheelchair, walker, bed, etc), home modifications, etc.

As you can see long-term care insurance policies help make it very easy for you to remain in your home while receiving care. To learn more about long-term care insurance visit

Friday, March 9, 2012

Why is Planning for Long-Term Care Important?

It is becoming more and more likely today and even more so as time goes on that Americans will live into their 80's, 90's, and maybe even their 100's and when there is longevity like this there is an increasing risk that they will need long-term care services. Because long-term care places an huge amount of emotional and physical strain on loved ones and family members it is important that you take it into your own hands to have a plan for when you might need long-term care. Not only will having a plan together for long-term care will it reduce the burden of having a loved one have to care for you but it will also protect your assets, and provide you with the freedom of choice - choosing where to receive your care, which most would choose their home!

Take the steps in protecting your future and protecting your loved ones from the emotional and physical strain by planning for long-term care insurance today! Visit to learn more!