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Long Term Care Insurance Online When a good friend of mine inquired where he There are literally hundreds of thousands of could obtain information about medical insurance agents and brokers advertising on insurance for his out-of-state, elderly the Internet. Most of them will provide mother,  I  told  him  to  try  the Internet. instant on-line quotes and even applications for the potential insured. I highly He reported back to me about a week later, in discourage a layperson to purchase insurance desperation: "I am giving up, I am too in this fashion. A little knowledge can be confused." He had taken on an overwhelming dangerous. The federal government has project with his widowed mother, living in mandated to all states through legislation, another state. As the only child, and the standardized senior health insurance following the sudden death of his father, it policy guidelines, which are governed and was his responsibility to care for his regulated by each state insurance department. mother. There are plans for almost every level of health. Some are designed and priced for a In this world of technology, the family unit less than healthy individual. Others are for is often living in different geographical a person with minimal health concerns. The areas and the family members are usually whole concept of insurance is to provide quite involved with their own lives, careers, protection for "unanticipated" sickness or and families. In addition, when both parents injury, especially catastrophic expenses, are alive, often one or both parents are which would devastate a person's net worth. quite independent and do not require a lot of The more small expenses a person is willing assistance. As time goes on things, of or able to pay (self-insure), the lower the course, change, and sometimes change very rate. I recommend this strategy when suddenly. There can be a crisis, with regard evaluating your insurance options. Another to the health care needs of one or both aging consideration when reviewing various parents. insurance plans is to look at the company itself. How long has the company been selling With our baby boomers facing this problem in this type of insurance? Do they have a lot of ever increasing numbers, and with the complaints filed with the local department of information highway in full bloom, there is a insurance? Are the rates stable? Does it pay definite need for planning. Protecting your claims on time? Service? Most agents talk parent's assets and health is a huge and about the rating. These ratings are as daunting undertaking, which requires a follows: A+, A, A? B+, B, B? C+, C, C? or tremendous amount of education and practical "not rated." Do not be fooled by rating application. Our seniors face many diverse alone. It is good to have a high rating, but responsibilities upon reaching age 65. To it is far better to have a company that has name just a few: Estate planning, taxation, longevity, stability, innovation, service, Medicare, social security, wills, insurance, and expertise. The problem is that some and various other legal and financial companies enter into a market and quickly matters. All of these different areas require leave without explanation. This does not give expertise from accountants, lawyers, estate security to the policyholder. The most planners, insurance agents, home brokers, important consideration should be a review of financial  advisors,  and  others. the profit/loss ratio for that product. This will establish stability, and longevity in The Internet is a good starting point for the market. An insurance company with a most people to find resources for questions moderate profit in a particular line of and solutions for your problems. There is, business will remain in that market. On the however, no replacement for good solid other hand, a company with losses will make intelligent advice from an expert. Twenty changes and possibly even withdraw. This is years ago, insurance for elders was sold by information not normally available to "senior insurance specialists," with just a Internet users. Before entering into an handful of companies in each state. The insurance contract , the senior person, the programs were most often Medigap or Medicare family, and other advisors must be realistic, supplemental policies, which covered the and a careful evaluation of the entire expenses not covered by Medicare, including picture must be examined. The age, the health hospital and doctor deductibles, durable of the senior, the financial resources, the medical devices, and non-approved Medicare personality and attitude of the senior, and costs. Ironically these specialists did not most importantly the desires of the senior, sell a lot of nursing care policies, even should all be considered. Early planning is though Medicare paid a national average of important, as qualification becomes less than 2% of these expenses. With the increasingly more difficult as the advent of "financial and estate planning" and applicant's health declines. The senior more insurance companies entering this health care market is complex. I will offer market, a more broad and diversified product some words of advice to attempt to alleviate line became available to agents, brokers, potential pitfalls. *C hoose a well-informed, planners, and seniors. Part of this new seasoned, and service oriented agent or diversification was the "home health care broker to assist your decision making plan," sold by itself, and in conjunction process. The professional can offer with senior health insurance products. The invaluable information, but do not be afraid appeal of the "home health care policy" was to ask a lot of questions and even get a that a senior could stay at home and still second opinion. *Do not wait until your receive medical and custodial benefits, parent or loved one is sick, or injured. Plan allowing a person to recuperate in the ahead and take the time needed to cover all comfort of their own home. This was the the options. *C hoose an experienced answer to a huge problem. The last place an insurance company. A Company that has been in older person wanted to go was a "retirement the marketplace for a significant time and home," or "rest home," or, God forbid, the has maintained a balance of rates and "nursing home." It appeared that seniors benefits and sound risk selection with could now rely on this new innovation without moderate rate increases over time is your worry of having to move out of their home best bet. *T he plan should be flexible, with environment in the event of a health problem. a broad range of options and benefit As with most things," if it is too good to be selections to the insured. There should be no true." ... The home health care policy is no tricks, or complicated language for the exception. The problem is, there is not coverage. An incredibly low rate is a red enough coverage for a lengthy illness or flag for trouble in the future. *Do not rush recuperation time. The fact is, the new trend or be rushed by an over aggressive sales is toward an "all in one" type facility, person. This policy will not be inexpensive allowing for a variety of levels of care all and will need to be read and reviewed for a in one location. In other words a senior clear understanding of the contents. This is could start off with little or no health care one advantage to the Internet. You are concerns in an independent, less expensive allowed  to read indefinitely before you act. area, and then go to an assisted living, or nursing care facility, all within the same A long-term care program, with or without compound. A "nursing home" requires a nurse insurance coverage, will only work if the on the premises 24 hours per day, assisted senior has input into the care selection living is just eight hours. The advantages to process. If there are any questions about the this are financial. The patient or senior is accreditation of a facility please call the only charged according to the care level "Continuing Care Accreditation Commission at required during the time he or she is 202-783-7286. admitted to that facility. Another benefit is it alleviates a lot of planning because the By William H. Pritchett This article is free care is delivered, as it is needed. The for  republishing medical attention is available to all residents regardless of their current health. Source: Some people are offered a lifetime package , which covers their care for the rest of their In 1984, William Pritchett, Jr. developed the life, regardless of their current age. It first Home Health Care plan of its kind, also allows for social outlets to an which revolutionized the insurance industry otherwise somewhat isolated group. On-line in this market. The program was developed to shopping services have become a huge allow seniors to recuperate in the comfort of business. It is definitely here to stay and their own ho.me as an alternative to assisted many insurance policies are purchased from living facilities. This idea has grown into Internet quotes and on-line applications. an entire industry. 1 A B C D E 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118