What are typical exclusions with LTC insurance?
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What are typical exclusions with LTC insurance?
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Mike emailed asking about typical exclusions or pre-existing concerns with LTC insurance.
LTC insurance is governed by Internal revenue Code (IRC) 7702(b). To be able to offer insurance, companies must adhere to this rule.
American Association for LTC insurance (AALTCi) has many resources available on this https://www.aaltci.org/long-term-care-insurance/
You can view both current and projected costs of care where you live at https://www.carescout.com/cost-of-care I strongly suggest using a 4 or 5% cost of living factor when checking future costs. I think we'd be lying to ourselves if we believe the costs of care will be lower than that in the future. Baby Boomers are starting to turn 80 this year.
Learn how Medicaid works (or doesn't work) in your state at https://www.elderlawanswers.com/
Book a quick phone or zoom meeting to ask a question at https://calendly.com/diane-p4t/15min
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