(707) 822-7251contact
Home
Instant Quote
California Health Insurance
Group Insurance
Medicare/Senior Programs
Life Insurance
Long-Term Care
Contact
FAQ
Long-Term Care Insurance

Long Term Care Insurance (LTC) is designed to protect individuals from the high expense of care in Skilled Nursing, Intermediate and Custodial Care facilities. It may also include Home Health care. It has been recognized as an important piece of financial planning for the protection of assets. Individuals mid-50's onward are the usual interested parties but Long Term Care insurance is sold by some insurance companies as early as age 45. Premiums increase as an individual ages so it can be prudent to buy it early. One in 4 people who make age 60 will use Long Term Care facilities and the percentage increase dramatically as one ages.

Long term care is heavily underwritten. Medical records are obtained and carefully reviewed. Long Term Care policies are triggered (activated) by "activities of daily living" (ADL's). Usually three activities of daily living must apply for a policy to kick in. ADL's include:

  • Eating

  • Dressing

  • Bathing

  • Ambulating

  • Transferring

  • Toileting

  • Cognitive awareness

Cognitive awareness is the only trigger that works by itself. Cognitive awareness includes different forms of senile dementia and Alzheimer's disease.

LTC is purchased in $10/day increments (e.g. $100/day will equal $3000/month in a 30 day month). Facilities can run as high as $5-6,000.00 a month in Northern California and may be more expensive in urban areas. LTC comes with a variety of riders that should be carefully considered before purchase. Home Health Care is designed to pay for care in your own home and is extremely important to consider.

LTC is very complicated and confusing. A knowledgeable and certified agent is a must for this line of insurance.

If you have questions, or would like more information, please leave your name and contact information.

Applicant Data
Name:
Birthdate (mm/dd/yyyy):
Tobacco Usage?
Yes
No
Height: (ex. 5'7")
Weight (lbs.)
Please list any prescription medications the applicant is currently taking.
List any medical condition the applicant has had over the last five years.
State:
Second Applicant Data
2nd Applicant Name:
Birthdate (mm/dd/yyyy):
2nd Applicant Tobacco usage?
Yes
No
2nd Applicant Height:
2nd Appicant Weight::
Please list any prescription medications the applicant is currently taking.
List any medical condition the applicant has had over the last five years.
Contact Information
Phone Number:
Fax Number:
Email Address:
Mailing Address:
Benefit Options
Daily Benefit Desired
Elimination Period:
How much time will elapse before benefits start?
Benefit Period:
How long will the benefits last?
Payment Options:
10 Pay - You make ten payments of 10% of your policy value.
Lifetime - Your make steady payments throughout your lifetime until you begin using your policy.
Paid up at 65 - You with to pay for your policy in full by age 65 then make no payments thereafter.
Optional Benefit Riders
Benefits
Reimbursement - You or your family pays for expenses then file a claim with us.
Indemnity - We pay expenses directly.
Compound Inflation Rider
A compound inflation rider will allow the value of your policy to annually increase to account for rising costs due to inflation.
None
3%
5%
Return of Premium
If you die (last of your deaths under joint coverage) while the Policy is in force the total premiums paid reduced by the total of benefits received will be paid to your beneficiary. There will be no additional fefund of premiums as described under the Refund of Unearned Premium provision in the Policy.
Yes
No
Paid-Up Survivor
In the event that two partners are insured the policy has been in effect for ten years and one partner has died the policy will be considered paid-up for the surviving partner. If one partner has died but the policy had not yet been in effect for ten years the surviving partner's premium will be recalculated to the rate charged for an individual policy for the balance of the ten-year period.
Yes
No
Waiver of Premium
If you or your partner are incapacitated for 90 days premium payments will no longer be due until recovery.
Yes
No
Previous Declination
Have you been declined for long-term care insurance in the past by any insurer?
Yes
No
Unknown
If yes when were you declined?
Which insurer declined you?
Why were you declined?
Additional Comments/Questions
If you have any questions or comments about this application enter them in the field below. You can also give us a call at 707-822-7251 during normal business hours.
Do not enter anything in this field:


Your Insurance Doctor
1117 Samoa Blvd
Arcata, CA 95521
Phone: 707-822-7251
Email: info@yourinsurancedoctor.com
Site Powered By
    HealthConnectSiteBuilder.com
    Online web site design