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| The Companies Reliability |
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| Claims |
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Ask your Long Term Care representative about their company's claims
process. This is the most important aspect of an Long Term Care policy
and yet the most ignored. Questions to ask would be as follows:
- Describe the carriers claims process?
- What percentage of claims that have been filed are paid?
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| Stable Premiums |
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Long Term Care carriers have the right to raise premiums. The policies
are "guaranteed renewable" which prevents a carrier from singling out
individuals for rate increases, but they may raise premiums for a "class"
of policyholders. Be careful of carriers that are priced substantially
below the competition. Again, ask your representative if the proposed
carrier has ever increased in-force premiums.
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Tax Considerations |
| Get A Quote |
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Supplement
