10 Questions to Ask

1. Are you working with a CLTC—Certified Long Term Care Planner?

2. Is there an inflation option for my policy to grow?

3. Will my premium remain the same over the years and not increase?

4. Is my plan comprehensive? Will it cover home health care, adult day care, assisted living, and nursing/skilled care facilities?

5. How long is my plan—2 years at minimum?

6. Is my plan guaranteed renewable?

7. How does my elimination period work—is it 100 days or less?

8. Will my plan cover Cognitive impairment/Dementia/Alzheimer’s disease?

9. Am I able to reduce premiums/benefits if necessary in the future?

10. Will the Insurance company offering my plan be there when I need it? Are they stable and financially sound?

Representing over 10 insurance carriers, you can compare plans with different companies to be confident with your final decision.