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What is Medicare Part A?

Part A helps cover the following: Inpatient care in hospitals (such as critical access hospitals, inpatient rehabilitation facilities, and long-term care hospitals) Inpatient care in a skilled nursing facility (not custodial or long term care) Hospice care services Home health … Continue reading

Medicare is so confusing. How do I learn more about it?

Medicare is health insurance for people who are 65 or older, under age 65 with certain disabilities and people of any age with End-Stage Renal Disease. There are 4 parts of Medicare: Part A, Part B, Part C and Part … Continue reading

What types of disability policies are available?

There are several types of disability policies that are available; they each have their own unique characteristics and pricing. Here are the most common: Guaranteed Renewable: These policies contain provisions that guarantee that the policies will be renewed by the … Continue reading

Questions You Should Ask Your Health Insurance Agent about Disability Insurance

Q. What benefit amount do I qualify for based on my current my income? A. Your benefit amount is based on a percentage of your income. Typically this will be in the 60% range of adjusted gross income and can … Continue reading

How Much Does Disability Insurance (DI) Cost?

Perhaps, more than most other type of insurance, disability-income insurance has a variety of factors which influence the final premium. Each of the following factors will determine the actual cost: Age: The older the applicant, the higher the premium will … Continue reading

What are LTC Partnership Insurance Policies?

LTC partnership insurance policies are a special type of coverage that combines private LTC insurance coverage with the backstop of coverage by the federal Medicaid program. Medicaid does offer qualified individuals limited LTC benefits, but to qualify an individual has … Continue reading

Where can I purchase LTC Insurance?

Please contact us to receive complete details about purchasing LTC insurance. Blog this! Recommend on Facebook Share on Linkedin Tweet about it Tell a friend

Should I buy LTC Insurance?

Purchasing LTC insurance is a decision with financial consequences, whether or not it is purchased. If you choose not to purchase LTC insurance and require LTC in the future, your personal savings may be used to finance such care. However, … Continue reading

How Much Does LTC Insurance Cost?

Long-term care insurance is much less costly than paying for long-term care needs out-of-pocket. Primary factors that are considered in the cost of a policy include: Age at policy issue: Age is locked in when the policy is issued. The … Continue reading

What is LTC Insurance?

Long-term care insurance is a type of insurance that individuals can buy to help them finance any potential future long-term care needs they may have. Sometimes employers offer employees long-term care insurance coverage as an employee benefit as well. Depending … Continue reading