Which type of policy is right for you?
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Traditional Long-term care insurance?
“Long-term care insurance” policies have changed significantly in the past 10 years. Today’s policies now provide rich benefits for care at home, federal standards for benefit qualifications, and larger benefit amounts. Today’s long-term care insurance policies can have as much as a million dollars of benefits. Since the older policies had such large rate increases, 41 states have passed strict pricing regulations to protect those who purchase long-term care insurance today.
Long-term care partnership program?
We’re often asked: “What if my long-term care policy runs out of benefits?” The “Long-Term Care Partnership Programs” solve that problem. These programs have created special, government-approved policies that protect your assets from Medicaid even if your policy runs out of benefits. These policies can be very affordable because you only need to buy a benefit amount equal to the amount of assets you want to protect from Medicaid.
Hybrid Policy: Life insurance linked with long-term care?
“Linked-benefit life insurance” policies combine life insurance and long-term care insurance. These policies usually have guaranteed level premiums. If you never need long-term care these policies pay a death benefit to your beneficiary. There are some excellent hybrids. Here’s what to look for in a good hybrid. There are also some terrible hybrids. Here are the warning signs of a terrible hybrid. If you’re healthy enough to qualify for traditional long-term care insurance, here are five reasons why traditional long-term care insurance may be better for you than a hybrid.