"Long Term Care Insurance Options: Optimized for WEB TV - health, disability, long term care, and Critical illness savings and information"

Long Term Care Insurance Options
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Optimized for WEB TV users

Consider a 90 day waiting periodfor a lower premium
Consider an inflation rider if you’re younger
Make sure you get the spousal discount when both of you apply
Make sure your policy is guaranteed renewable so that your policy will be in force as long as you pay your premiums;
The waiver of premium rider will allow you to go into a hospital or care facility and have your premiums paid
Notifying of a third party will ensure your premiums get paid by notifying a person along with your agent before your policy lapses
Protecting against unintended lapses can be used within 6 months if you pay back premiums and if non payment was from an impairment
Benefit increase riders raise your benefit a predetermined amount
Consider the survivorship rider so that if either you or your spouse dies, the survivor’s policy will be paid in full
The return of premium rider will refund all premiums paid (upon your death) to your beneficiary or estate without interest
Make sure cooking, cleaning and bathing services are included
Get benefits during the early stages of impairment to provide for shopping, cooking, housekeeping, laundry or transporting
A supportive equipment benefit will help pay for ramps, pumps, grab bars etc