What Questions Will Medical Underwriters Ask Me?
Underwriting process
If you are on the market for long-term care insurance than chances are you have come across a variety of insurers which feature a medical underwriting exam as part of their approval process. This means that your personal medical history will be taken into account before being denied,approved, and assigned coverage or a premium. Long-term care insurance was designed to help you shoulder the steep costs of long-term care and there are a variety of long-term care benefits within each individual policy. Most traditional long-term care insurance plans feature a medical underwriting exams which communicates to insurers their risk[…]
Learning More About Long-Term Care
I’m ready to start
Perhaps you’ve recently had firsthand experiencing with finding and placing a loved one in long-term care. Or maybe you finally have the time to begin to wonder about your own future care. Where would I stay? Who would look after me? How much would it cost and how would I pay for it? These are all questions that may come to mind when you begin to consider what your future long-term care may look like. Additionally so, you might wonder what your options are in terms of long-term care services, housing, and insurance. Many of the answers[…]
Five High Protein Meals For You To Try
In an effort to help our clients stay healthy and avoid from using their long term care insurance policy as long as possible, we are committed to featuring health tips and tricks found on the health tab of our website.
This Friday’s featured recipe includes a list of healthy, easy, and high protein meals! We know that many of you have goals to stay healthy and we know that getting enough protein from your meals can be challenging. It can be hard to know which meals are most protein dense as well as[…]
House Plants Can Lower Your Risk For Dementia
Numerous benefits
Aside from being aesthetically pleasing, plants also serve numerous benefits within our environment and even homes, particularly senior residences. That’s right equipping your home or senior home with joyful houseplants can be beneficial to the health of all who inhabit the home. Houseplants can improve mood, loneliness, breathing, and even be a great hobby for seniors to upkeep. Additionally, house plants can also bring a calming nature to your home, improve air quality, and even remedy noisiness. Plants have the ability purify the air in your home by converting the C02[…]
LTC:What is Inflation Protection?
Do I need Inflation Protection?
It is no secret that there are high costs associated with long-term care today. Nursing home costs average between $80,000-$100,000 per year and the average duration of care is about 3 years. Take those to variables and you are looking at a potential $300,000 out of pocket expense, assuming you do not require care for longer than the assumed 3 years. In addition to this long-term care costs in general continue to increase at a 3%-5% rate per year! The issue[…]
Staying Busy & Safe: How To
Staying Safe But Busy
While some stores remain with their doors closed and many individuals continue to practice social distancing, you may be wondering how to fill your free time. You likely want to remain somewhat social while also ensuring safety. You may be thinking of using this time to do at home projects, take on new hobbies, or plan for the future, however you may also be wondering where you can begin to acquire the tools you may need for such. Luckily in today’s digital world there are countless major retailers who[…]
Reviews of each company’s financial stability ratings, claims experience, and size.
A side-by-side comparison of each company’s policy features. We cover the similarities and the differences.
Price comparisons customized to suit your specific needs from top carriers such as Nationwide, Thrivent, New York Life, National Guardian Life, Mutual of Omaha, and more.