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Our
Premium Calculator makes it easy for you to design your own
long-term care insurance policy online. But before you start, here
are some important points to consider:
- Use the
Nursing Home Table
to find the average nursing home cost in your state. Some people
choose to insure the full cost of nursing home care; most choose
to self-insure a portion of the cost that represents expenses they
would no longer have, then insure the rest.
- In determining the right
level of coverage for yourself, consider your family's health
history and longevity.
- You and your spouse may
elect different coverage options, depending on your needs and
budget.
- The cost of waiting to obtain coverage is
significant. The longer you wait, the more coverage you'll need to
purchase because of the increasing cost of long-term care. Also,
the older you get, the more expensive coverage becomes. Please
Contact Us and
ask for a Cost of Waiting Analysis.
- Because eligibility for coverage is based on your medical history,
waiting increases the chance that you won't qualify for coverage
due to a medical condition or disability.
- We provide rates that
are representative of the insurance company's Standard Rates.
Your company may qualify for a group sponsored discount .
Also, depending on your health and medical history, you may qualify for
an additional Preferred Health discount.
Contact Us
for details.
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