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Protection From the Perils of Aging

By Jessica Ashton, Staff Writer

(Page 4 of 4)

Last bit of homework. Before you commit to a long-term care provider, ask yourself the following questions after you’ve obtained their rating from the services mentioned earlier in the article:

What is their history on payouts?

How long has the company been writing this insurance?

Is there a company history of premium increases?

What care settings are covered – nursing homes, assisted living facilities, home care?

How do they treat pre-existing conditions?

Congratulations! You’ve done it. You’ve bought the policy, and now you feel secure. One of the biggest benefits is that most long-term care policies are guaranteed renewable for as long as you pay your premiums. Additionally, the premium is based on the age you were at enrollment and is usually locked in for the life of the policy.


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