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This looks like an excellent document! The Glossary helps explain all of the terminology you'll find in LTC policies, Shopping Tips which are things to look for when comparing policies, when benefits start, etc. It also includes the following worksheets to help you through the planning process!
"A Shopper's Guide to Long-Term Care Insurance"
The National Association of Insurance Commissioners' (NAIC) provides this publication in PDF format in English or Spanish. On the above link you can also listen to Audio Files. The audio files contain personal stories told are real-life experiences of people who know the value and importance of planning ahead. These stories contain expert advise from Long-Term Care Professionals. Read the planning guide, listen to the audio files and begin to "Own Your Future".
You can also order the booklet for yourself or HD families on this link [it's free]:
Table of Contents
About This Shopper’s Guide
What Is Long-Term Care?
How Much Does Long-Term Care Cost?
Who Pays For Long-Term Care?
Who May Need Long-Term Care?
Do You Need Long-Term Care Insurance?
What Is a Federally Tax-Qualified Long-Term Care Insurance Policy?
How Can You Buy Insurance to Pay for Long-Term Care?
How Do Long-Term Care Insurance Policies Work?
[How Benefits Are Paid/What Services are Covered/Where Services are Covered, Exclusions etc.]
What Is Long-Term Care?
How Much Does Long-Term Care Cost?
Who Pays For Long-Term Care?
Who May Need Long-Term Care?
Do You Need Long-Term Care Insurance?
What Is a Federally Tax-Qualified Long-Term Care Insurance Policy?
How Can You Buy Insurance to Pay for Long-Term Care?
How Do Long-Term Care Insurance Policies Work?
[How Benefits Are Paid/What Services are Covered/Where Services are Covered, Exclusions etc.]
Will Your Health Affect Your Ability to Buy A Policy?
What Happens If You Have Pre-Existing Condition?
Can You Renew Your Long-Term Care Insurance Policy?
What Do Long-Term Care Insurance Policies Cost?
If You Already Own a Policy, Should You Switch Plans or Upgrade the Coverage You Have Now?
What Shopping Tips Should You Keep in Mind?
References
Glossary
List of State Insurance Departments, Agencies on Aging and State Health Insurance Assistance Programs
Worksheet 1 - Information About the Availability and Cost of Long-Term Care in Your Area
Worksheet 2 - How to Compare Long-Term Care Insurance Policies
Worksheet 3 - Facts About Your Long-Term Care Insurance Policy
Worksheet 4 - Long-Term Care Riders To Life Insurance Policies
Worksheet 2 - How to Compare Long-Term Care Insurance Policies
Worksheet 3 - Facts About Your Long-Term Care Insurance Policy
Worksheet 4 - Long-Term Care Riders To Life Insurance Policies
Source: National Clearing House for Long Term Care
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