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Today, you're healthy. But what about tomorrow?
What if you or your spouse become physically or mentally incapacitated?
Longterm care could be required — that is, assistance with
daily activities like eating, bathing, getting dressed, toileting
and transferring — either in your own home or a nursing
home.
To help protect the savings you've spent
a lifetime to build and to maintain your financial independence,
consider longterm care coverage. It can make a lot of sense and
help give you peace of mind.
What To Look For
- At least one year
of nursing home or in home coverage, including intermediate and
custodial care. Nursing home or in home benefits shouldn't be
limited primarily to skilled care.
- Coverage for Alzheimer's
Disease.
- An inflation protection
option.
- An "outline
of coverage" that systematically describes the policy's
benefits, limitations and exclusions, and also lets you compare
it with others.
- A guarantee that
the longterm care insurance policy cannot be canceled, non-renewed,
or otherwise terminated because you get older or suffer deterioration
in your physical or mental health.
- The right to return
the policy within 30 days for a full premium refund, if after
having received the policy, you decide that you do not want it.
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LTC Insurance: Compare the top companies, and
get the best quote for your needs.
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