Can You Afford Long-Term-Care Insurance?

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Cohtbdgu of VA @ Oct 27, 2009 12:22:00 PM

Long care insurance

I was informed my long care insurance would go up
$500.-- a year starting in October. I called them, I was
informed they could raise it every year $500.--
They should be required by law, a cap on this. I don't
take any medicine, 82 years old and work full time to
keep up with the bills. Mostly the ones breaking me is
the insurance.
Something has stop the constant increase in premiums.

Marjorie M Hicks of IL @ Sep 26, 2009 10:24:36 AM

LTC Must be included in health reform

It is an insurance scam and I didn't purchase it. I am very healthy and get the privilege of giving them $2,244 a year for the next 30 years until the actuarial tables say I might need a nursing home. THEN THE MAXIMUM TIME THEY WILL cover IS THREE, YES, (3) years after which time you must go on Medicaid. My TLC insurance rep told me they make you sign this form when you enter on the first day of your admission and it kicks in when your private insurance runs out. At this time the state of NJ will then check to see if you gave any money, jewelry or other assets they consider income to your children in the last 5 or 7 years. IF YOU DID THEY PENALIZE YOUR CHILDREN AND MAKE THEM PAY FOR A TIME FRAME BASED ON A FORMULA THEY DEVISED. The bottom line is IF YOU WERE AND ARE FINANCIALLY RESPONSIBLE YOU GET SCREWED AND IF YOU BOUGHT A HOUSE ABOVE YOUR MEANS, ATE OUT ALL THE TIME, VACATIONED FREQUENTLY AND GOT ACRYLIC WRAPS, COACH BAGS AND WERE FISCALLY IRRESPONSIBLE AS USUAL THE GOVERNMENT WILL PAY YOUR WAY.
YOU FIGURE OUT THE MORAL OF THIS. IT ISN'T DIFFICULT--HAPPY VACATION!!!

Ja Moor of NJ @ Sep 16, 2009 23:04:35 PM

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Long care insurance

LTC Must be included in health reform

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