| A great resource that is available free for | | | | suffers from a history of serious health |
| residents of Washington State from the | | | | conditions, this will directly affect the cost of long |
| Statewide Health Insurance Benefits Advisors | | | | term care insurance. |
| office is a worksheet. This worksheet is designed | | | | -The type of coverage needed. This can be |
| to help individuals in Washington State who are | | | | confusing, but most agents will take the time |
| considering purchasing a long term care insurance | | | | necessary to explain the different options available |
| policy. The worksheet gives them suggested | | | | in terms of coverage. |
| areas of interest they should pursue when | | | | -The maximum coverage provided. Many long |
| comparing rates between companies. | | | | term care insurance companies have either an |
| Calling insurance agents for quotes can be a | | | | annual or lifetime maximum in coverage. This |
| challenging exercise. Most insurance agents | | | | information is important when weighing which |
| recognize the sensitive nature of long term care | | | | company is best. |
| insurance and are there to offer their assistance. | | | | Once an individual has one quote it's easy to |
| They'll need some information to help them | | | | contact other companies to secure more quotes. |
| determine a quote for the coverage that is | | | | It's important to request a quote on the same |
| required. Some of the information typically | | | | level and type of coverage with each insurer. It's |
| requested includes: | | | | also wise to ask about the company's history and |
| -The age of the person interested in long term | | | | how long they have been serving the area. |
| care insurance coverage. Typically the younger | | | | Armed with all this information, anyone can make |
| you are, the less you can expect to pay in | | | | an informed choice as to what long term care |
| premiums. | | | | insurance company will fit their future needs best. |
| -The state of health of the insured. If a person | | | | |