Long Term Care Insurance (LTCI) and a Continuing Care Retirement Community (CCRC) both appeal to the same type of people: people who want to plan for their future and don’t want to leave things to chance. LTCI and CCRCs address the likely future need for long term
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Before you can begin collecting benefits under your long term care insurance policy, you must meet your LTCI elimination period, or waiting period. However, because you’re in need of assistance, you’ll need some long term care in the interim—and you’ll need to pay for it out-of-pocket. The
Read more →A surprising number of seniors still believe that Medicare will cover all their long term care expenses, according to a study by AARP. But here’s the reality: Medicare offers limited-time long term care coverage that applies only to skilled nursing care. Long term care insurance (LTCI), on the
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While many believe Medicare covers long term care expenses, the reality is, Medicare does not. Medicare offers limited, short-term skilled nursing care coverage. Furthermore, in order to qualify, you must meet specific hospitalization requirements. Many Medicare beneficiaries are hazy on the subject of hospital observation vs. admission
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When it comes to Long Term Care Insurance, one question we are often asked is “at what age is it best to apply for LTCI?” Many clients wonder if they’re “too young” or “too old” to obtain coverage and there are two schools of thought on this.
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Because of the nature of long term care insurance (LTCI), decades may pass between the time a client’s LTCI policy is issued and the time he or she files a claim. However, once LTCI benefits are needed, chances are, they’re needed ASAP. Unfortunately, filing a LTCI claim
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3 Key Facts to Know about Long Term Care Insurance While many people think they know what Long Term Care Insurance (LTCI) is, there are many misconceptions out there. Here, we tackle three key facts to gaining a clearer understanding of LTCI. Fact #1: Medicare Isn’t the
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You’ve heard about Long Term Care Insurance (LTCI), but do you really know what it is, not to mention if you need it? Here’s a brief intro to Long Term Care Insurance to help you get started. LTCI reimburses policyholders a fixed daily or monthly amount when
Read more →A rising number of nursing homes are pursuing the adult children of patients for their parents’ unpaid bills. It’s called filial support litigation, and it’s a growing trend among long term care providers. Thanks to something called filial responsibility laws, the providers often prevail. More than half
Read more →Anyone who has filed insurance claims before—whether for home, auto, or health coverage—knows that the process doesn’t always unfold smoothly. So if you are helping someone who has, or may have, a long term care insurance (LTCI) claim, the first thing to do is contact his or
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Gordon Associates was one of the first companies to provide long-term care planning and continues to be a leader in helping people plan for happy retirements.
To help determine if long-term care (LTC) insurance is right for you, we are offering a FREE informational guide. This is a comprehensive booklet that will answer many of your questions about LTC and assist you with your health care planning.
Of course, we are always available to answer your questions.
Gordon Associates was one of the first companies to provide long-term care planning and continues to be a leader in helping people plan for happy retirements.
To help determine if long-term care (LTC) insurance is right for you, we are offering a FREE informational guide. This is a comprehensive booklet that will answer many of your questions about tax breaks and incentives for LTCI for federal and state taxes.
Of course, we are always available to answer your questions.
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