Austin Insurance Group

Austin
INSURANCE GROUP

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What Are the Costs
of Long-Term Care Policies Based On?

The cost of a policy is based on such factors as:

• Your age at the time the policy was purchased
• The type of the policy purchased (a “basic” policy may cost less than one compared to one from the same company that offers more features)
• The amount of the daily/monthly benefit you have purchased
• The number of “extras” such as riders or options you may choose to purchase within a particular benefit level
• The amount of time the daily/monthly benefit will be paid
• The elimination period or “waiting period,” which are the days you must pay for your care out-of-pocket

"Every insurer offers different long-term care insurance policies, but don’t shop by price alone. The lowest cost policy might not be the best choice for you or your family."

Get a Long-Term Care Insurance Quote

For additional information see the links below:

Long-Term Care Insurance-Home Page

General Information
1. What is long-term care?
2. Where can I receive long-term care services?
3. What are Activities of Daily Living (ADLs)?

What is the Cost of Long-Term Care Services?

Paying for Long-Term Care Services
1. How are long-term care services paid?
a. Self-Insure
b. Medicaid
c. Medicare
d. Long-Term Care Insurance

Is Long-Term Care Insurance Appropriate for You or a Family Member?
1. Who could benefit from purchasing long-term care insurance?
2. What is the right age to purchase long-term care insurance?
3. Is there anyone who should not purchase long-term care insurance?

How to Select a Policy?
1. What decisions do I need to make?
2. How can I protect myself against the rising cost of care?
3. How much coverage is right for me?

What About Different types of Policies and Coverage?
1. What is the difference between “reimbursement,” “indemnity,” and “disability” type policies?
2. What is a "Tax Qualified" policy?
3. What are "Partnership Programs"?

How Long Can I Expect to Need Coverage?

What About Benefits?
1. How do I become eligible to receive benefits?
2. Who determines when I am eligible for benefits?
3. What happens to my benefits if I stop paying my premium?
4. What is a “return of premium on death” benefit?

What Else Should I Know?
1. Can I change my mind if I buy a policy?
2. Can my premiums be raised?
3. How can I evaluate a long-term care insurance company?
4. How can I obtain detailed information on long-term care insurance?

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Get a Long-Term Care Insurance Quote

Austin Insurance Group
Austin - Cedar Park
(and surrounding Counties)
(512) 339-2901
Nationwide
1-800-929-3166
email: aig@texas.net

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What Are the Costs of Long-Term Care Policies Based On?

Austin
INSURANCE GROUP

What Are the Costs
of Long-Term Care Policies Based On?