Long Term Care Insurance Specialist

Increasingly we see insurance agents or financial advisers that are specializing solely in the sale of long-term care insurance. Not only is long-term care insurance a complicated product but companies are constantly coming out with new products as well. In addition a person selling long-term care insurance needs to have an understanding of what long-term care is in order to make suitable recommendations to people buying the insurance. Most insurance agents and financial planners simply don’t have the time to keep up with these issues and that is why some of these people have specialized exclusively in long-term care. Here are the advantages of using a specialist.
  • The specialist usually works with more than one long-term care insurance company and can find the company with the best benefits and the best price.
  • The specialist often has experience with a number of companies and can recommend those that are good at paying claims, are expected to continue selling long-term care insurance or are prone to rate increases.
  • The specialist has experience with medical problems involved in the issue and underwriting of long-term care insurance and he or she can find the right company for underwriting or help to get the insurance through the underwriting in a chosen company.
  • Specialists are generally experts in understanding long-term care issues, especially those specialists certified to sell partnership policies. Because of this knowledge, the specialist can recommend the best coverage to dovetail with the insured’s assets, income and desires for care settings and services.
  • Many specialists work with a team of eldercare advisers such as care managers, pre-need funeral planners, elder law attorneys, home health providers, retirement financial planners and reverse mortgage specialists. This allows them to help the pre-retirement generation with long-term care insurance and retirement planning and also help the parents of those people with elder care needs.

Nhận xét

Đăng nhận xét

Bài đăng phổ biến từ blog này

How to know when a parent needs more care

Deciding whether it's time for elder relatives to make new living arrangements takes the keen observation and the subtle questioning of a Sherlock Holmes, says Susan Fleischer, president of the National Association of Professional Geriatric Care Managers. Elders minimize and camouflage difficulties. Adult children and caretaker spouses struggle with guilt and fear. Denial is common. "Making the decision is about 50 percent emotional and 50 percent reality," says Linda Fodrini-Johnson, past president of the national association and executive director of the Eldercare Services in San Francisco. The decision about what to do frightens people so much that they delay recognizing problems, says Lue Taff, geriatric care manager for Dallas' the Senior Source. "People always think they're going to have to make a move," she says, "but if there are funds, people can often stay in their homes." She recommends first focusing solely on whether the fami
Đọc thêm

Learn About Your Options: Senior Housing

Hình ảnh
There are several types of senior housing, offering a variety of care choices. The  senior housing facility  that is right for your loved one depends on the level of care he or she may require. At Three Links, we connect you with the full spectrum of senior housing, including: Adult Day Care, Independent Living, Assisted Living, Nursing Home, Memory Care and Hospice. Adult Day Care Adult Day Care Centers  are drop-in facilities that offer assisted care on a daily, weekly or part-time basis. They are designed for seniors who cannot be left on their own during the day due to the medical needs associated with their healthcare, memory loss, and/or disability, as well as their needs for companionship. These facilities provide a monitored social and recreational setting for seniors, and make health-related services available for various levels of care. Independent Living Independent living communities are a form of housing specifically designed for seniors in reasonably good healt
Đọc thêm

Beginning Care For Your Elder

For the best senior care center visit:  https://threelinks.org/senior-living/.   It is obvious that those of us who see our aging parents' needs change want for them exactly what we would want for ourselves. For a very simple reason, we want them to get the right attention and care at the correct time in the right place. But desperately wanting it and knowing what it means specifically for our father and mother, understanding what our possibilities are, and knowing where to find reliable information on each possibility isn't at all simple. Often, we don't even know what questions to ask, much less where to look for the answers.   For caregivers journeying on this unfamiliar road, the following map can help point the way and at least offer a basic overview of what's coming up around the next bend, and the next, and the next. According to the National Clearinghouse for Long-Term Care: It is difficult to predict how much or what type of assisted living care any one person
Đọc thêm