Comprehensive vs. Non-Comprehensive Coverage in 2026 (Understand Your Options)
In a comprehensive policy, benefits are paid for service delivered in nursing facilities, assisted living facilities, adult day care centers, or at home...
Long Term Care Insurance Center
Secured with SHA-256 Encryption
What If I Miss A Premium Payment—Do I Lose My Insurance?
Long term care policies generally provide a 31-day grace period...
Do I need multiple policies to get enough coverage?
If you already have a policy, but the benefits are inadequate you should probably consider an additional policy rather than starting over with a replacement policy...
Return Of Premium
Many companies offer a return of premium option at an additional cost...
Restoration Of Benefits
Many policies have specific dollar maximums after which benefits are no longer payable...
Renewability
The provision of the policy, usually stated on the first page, that sets forth its term of coverage...
Incontestability
A provision in which your insurance company cannot contest your contract after it has been in force for a specified period of time...
Bed Reservation Benefit
Should you become hospitalized during a stay in a nursing home or assisted care facility, some policies will continue to pay benefits (for a period such as 21 days) to cover charges to reserve your ac...
What Is The Difference Between Benefits Paid On The Reimbursement Method And The Indemnity Method?
Under the indemnity method, once you are eligible to receive benefits, the company will pay you the amount specified in the policy, regardless of the cost of service...
What Is Insurance? What is Long-Term Care Insurance?
In its broadest definition, insurance is a way to protect against loss or harm from a specified contingency or peril. ...
Family Receives $7.5M after Hospital Administers Lethal Amounts of Radiation
An Illinois woman suffering from cancer was given an unfathomable 50% more radiation than prescribed on 17 different occasions which eventually led to her death. Her family sued the hospital for medi...
Family Receives $7.5M after Hospital Administers Lethal Amounts of Radiation
An Illinois woman suffering from cancer was given an unfathomable 50% more radiation than prescribed on 17 different occasions which eventually led to her death. Her family sued the hospital for medi...
Long Term Care Policy Definitions
This article defines and explains the basic terms and words used in an individual long term care insurance policy....
The Differences Between Private, State and Federal Long Term Care Insurance
Consumers have several options when it comes to long term care insurance such as private, state and federal plans. However, private plans can be expensive and state and federal plan eligibility is li...
How to File a Malpractice Claim
Malpractice lawsuits can arise from instances where a professional individual, a hospital, or organization made a serious error in providing a service that caused the client or patient physical or fin...
Is misdiagnosis considered medical malpractice?
Misdiagnosis can be medical malpractice when it is caused by the health care practitioner's medical negligence. That said, it is important to remember that doctors or other health care practitioners a...
My condo unit was recently flooded by my neighbor’s broken washing machine. My insurer says I have to ante up the $250 deductible. Why? It’s not my fault. The neighbors should pay.
Discussion of how to deal with your insurance company and problems in collecting damages from neighbor....
The History of Long Term Care Insurance
Long term care insurance has been around for 25 years, but many policyholders haven't sought benefits until a few years ago. There has been much controversy as many insurers have been denying claims ...
I underwent surgery that was later found to be unnecessary. Do I have a medical malpractice claim?
Unless there was no legitimate medical need for the operation, consent was procured by fraud, or the procedure departed from standard medical practice, a patient who undergoes unnecessary surgery will...
I underwent surgery that was later found to be unnecessary. Do I have a medical malpractice claim?
Unless there was no legitimate medical need for the operation, consent was procured by fraud, or the procedure departed from standard medical practice, a patient who undergoes unnecessary surgery will...
Related Topics
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
