by helpyouguys » Wed Jul 14, 2010 03:55 pm
We might be a joyful and (link removed by Moderator: InsTeacher per Terms of Use violation) healthy individual today, we are able to get around without being a burden or needing the help of anyone else. Life would be perfect if it stayed the way it is, but the reality is that nobody knows what the future holds for us.
Many people may argue that the future is out of our control, that might be true but we also have the ability to put in a small effort into the safety of our future, equipping your self for something that might or might not happen is no crime, is it? So to get on the right path to securing our future as best we can we must think about insurance. Insurance can be a great help in times of tribulation.
I assume that you don't know much about insurance, this is why i am writing this article. In this article i am going to give you some tips on how to research your insurance needs for long term care. Every person that lives is going to require a certain amount of care when they reach the stage where they can't take care of themselves.
If you are thinking of getting long term care, then that is good thinking because long term care will provide assistance to the individual for making his daily chores like bathing, dressing, being driven to the store and more. Many people may think that long term care does not fit their needs, they also hate the idea of of being a burden to their loved family. So if this description rings a bell then its best if you get that long term care.
If you have already decided on long term care then here are some things that the insurance may help with. One of the most common things that people suffer from in their elderly stages are Arthritis, cancer, hearth disease, strokes, depression and Alzheimer's disease. There are many more ailments people can face at old age, this may or may not happen but its always better if you take precautionary measure.
Many people may argue that the future is out of our control, that might be true but we also have the ability to put in a small effort into the safety of our future, equipping your self for something that might or might not happen is no crime, is it? So to get on the right path to securing our future as best we can we must think about insurance. Insurance can be a great help in times of tribulation.
I assume that you don't know much about insurance, this is why i am writing this article. In this article i am going to give you some tips on how to research your insurance needs for long term care. Every person that lives is going to require a certain amount of care when they reach the stage where they can't take care of themselves.
If you are thinking of getting long term care, then that is good thinking because long term care will provide assistance to the individual for making his daily chores like bathing, dressing, being driven to the store and more. Many people may think that long term care does not fit their needs, they also hate the idea of of being a burden to their loved family. So if this description rings a bell then its best if you get that long term care.
If you have already decided on long term care then here are some things that the insurance may help with. One of the most common things that people suffer from in their elderly stages are Arthritis, cancer, hearth disease, strokes, depression and Alzheimer's disease. There are many more ailments people can face at old age, this may or may not happen but its always better if you take precautionary measure.
Posted: Wed Jul 14, 2010 06:41 pm Post Subject:
If you have already decided on long term care then here are some things that the insurance may help with. One of the most common things that people suffer from in their elderly stages are Arthritis, cancer, hearth disease, strokes, depression and Alzheimer's disease.
Long term care insurance has nothing to do with "common things that people suffer from". It has to do with the inability to perform two or more Activities of Daily Living as the result of a chronic disability. Separately, a diagnosis of Alzheimer's disease or other cognitive impairment is a triggering event by itself.
People with arthritis, cancer, or heart disease do not necessarily qualify for LTCI benefits simply because of their disorder. They must also have an inability to perform two or more of the following: Eating, Dressing, Bathing, Toileting, Continence, Transferring (or need "stand by assistance" to prevent an injury). Needing to be driven to the grocery store is not covered by LTCI.
If you're going to promote a genuinely needed product such as LTCI, the least you can do is post accurate information. That's one of the reasons that CA licensed insurance producers must take continuing education courses in LTCI -- so they know what they're talking about when they market the product.
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