Are there legal limitations on insurance company business practices?
Are there legal limitations on insurance company business practices?...
Insurance Law
Insurance Policy Limits and Forced Settlement Claims: Rights of the Insured to Settle
Insurance companies are not required to immediately pay out the policy limit; they are allowed to look to reduce their own exposure by only paying the amounts proven to the extent liability is proven,...
What happens if the insured person dies?
What happens if the insured person dies?...
Critical Question: Should I Invest in Long Term Care Insurance or Look at Other Investments?
Article deals with questions as to whether it is better to invest your money in other areas rather than to buy long term care insurance....
Tax-Qualified and Non-Tax-Qualified Long Term Care Insurance Policies
Long term care insurance policies are either “tax-qualified” or “non-tax-qualified,” and there are important differences between the two....
The Application Process and Underwriting of an Individual Long Term Care Policy
State insurance laws require that all individual policies (life, health, long term care) be fully and medically underwritten. Your company must make a serious attempt to determine an insurance risk b...
Will Your Health Affect Your Ability To Buy A Long Term Care Insurance Policy?
Insurance companies that sell long term care insurance medically underwrite their policies before they are issued. They take a close look at your current health and your health history before they de...
Options for Paying Your Long Term Care Insurance Policy Premium
There are two primary ways in which you may pay your long term care insurance policy premiums: the continuous payment option and the limited payment option....
The Best & Worst of Long Term Care Insurance Companies
Long term care insurance providers have recently been the subject of lawsuits for denying legitimate long term care insurance claims....
How to Take Action When Your Long Term Care Claim Has Been Denied
When your long term insurance claim has been denied, here is what to do....
Let A Long Term Care Insurance Attorney Fight for You
If you purchased long term insurance coverage and your claim has been denied, having an attorney who understands long term care insurance can make all the difference in collecting on a claim....
Filing a Long Term Insurance Claim: It’s in the Details
Filing a long term care insurance claim must be done in the manner stated in the long term care insurance policy. Do not rely on directions from your agent on how to file a long term claim insurance....
Sample Cover Page for Long Term Care Insurance Policy
The sample wording for the cover page of a long term care insurance policy is discussed....
Long Term Care Insurance Policy Schedule of Benefits
The following is a typical Schedule of Benefits page for a long term care insurance policy....
Eligibility For Payment of Long Term Care Insurance Benefits
Eligibility for payment of long term care insurance benefits depends on how specific terms are defined within the policy, such as chronically ill, severe cognitive impairment, and substantial supervis...
Elimination Period
The elimination period in a long term care insurance policy is like a waiting period or a deductible period in your typical health insurance policy. You are responsible for paying all your long term ...
Home Care and Community Care Benefits
The Schedule of Benefits on your long term care insurance policy will show separate maximum daily benefit amounts for home care and community care....
Respite Care Benefits
The Schedule of Benefits on your long term care insurance policy will show separate maximum daily benefit amounts for respite care, which can be provided in many different settings....
International Long Term Care Coverage
The international coverage provisions, such as eligibility, per diem, elimination period, and lifetime benefit under your long term care insurance policy are discussed....
Long Term Care Extension of Benefits
The extension of benefits provision under your long term care insurance policy is really nothing more than the normal benefits that would be available to you if you were paying the premium....
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