Can anyone please explain me this?

Posted: Thu Dec 17, 2009 02:32 am Post Subject: insurance

..would, ALSO, like to 'add'...I don't think my 'Clients' son would be giving the wrong advice to his own mother.

Posted: Thu Dec 17, 2009 02:33 am Post Subject: insurance

'NOTMAX'.......would you care to identify who you are so the Forum knows who we are REALLY talking to? Thanks.

Posted: Thu Dec 17, 2009 03:56 am Post Subject:

Sorry about all of the names. It's Insurance Expert. I've had a problem on the board where my log in information wouldn't stay in the system, so I just sign in with whatever name my fingers type.

I'm giving Max a hard time because posting incorrect information is harmful. I don't post incorrect information and when something is incorrect or not clear, I immediately correct it/ clarify it.

From our previous conversations, you should realize this.

Whether Max is telling you something or your client's son is telling you something, if they are telling you that a 90 day elimination period can be satisfied in 14 days, they are giving incorrect information. I am 100% certain about this. I have sold hundreds of LTCi policies.

I would be willing to make a bet of any size that Max has never dealt with an LTCi claim in which a client had the "1 in 7" in the policy. If he did, he would not be spouting this nonsense.

Posted: Thu Dec 17, 2009 05:43 am Post Subject:

I was reading about Long Term Insurance Care and came across this site. I am copy - pasting lines from this article. I hope it helps you. I found it on

(link removed by moderator per Terms of Use- InsTeacher)

The elimination period is the time a person has to pay out-of-pocket for services before the long term care insurance takes over. Most will offer 90 day elimination or you could pay a higher premium for a zero day elimination period. The definition of elimination period varies with the long term care insurance companies. Some policies can require elimination to be met in a certain calendar period while others may require elimination to be consecutive days of care. Read and understand the elimination period in the contract.

Posted: Thu Dec 17, 2009 05:23 pm Post Subject: insurance

As I was saying, MAX gives very clear explainations on Life Insurance, etc. In the 'position', that I am in, at my employment, EVERYTHING, about our 'Clients', is considered HIPAA. I've already verified the clarification of 'Long Term Care' (all aspects of it) with my 'Clients' son. Thanks, anyway.

Posted: Thu Dec 17, 2009 10:19 pm Post Subject:

SDcharger, you should be smart enough to realize and have read enough of my posts to know that I don't post incorrect information. You should also know you well enough to know that you are often wrong when you are postive about being right.

Clear explanations are useless if they are incorrect. You like them because they are agree with your incorrect understanding.

If you think EVERYTHING is HIPAA, you clearly don't understand HIPAA. HIPAA only relates to medical information.

Either your Client's son doesn't understand the policy or you don't understand the explanation. You don't understand "1 in 7". You can argue with me until the cows come home, but instead, if you are interested in the truth, you can simply look at a contract. You will find out that once again, I'm correct about how "1 in 7 works". "1 in 7 will allow someone to collect on a claim with as few as 14 days of paying for care, but it will still take 90 days to accumulate these days. This is because, although the 1 day will count for 7, days 8-14 still won't occur until the second week. Days 15-21 won't occur until the third week, etc.

Posted: Fri Dec 18, 2009 02:08 am Post Subject: insurance

What I said was in my the 'POSITION' I hold, EVERYTHING is considered HIPAA, reguarding my 'Clients'. That's how it is with 'our' agency. I didn't write the rules,..THEY did. For Example: I had a 'Clients' relative call me about her Life Insurance. I can't tell her that information....I am sworn to the HIPAA rules. Understand? Hope so.

Posted: Fri Dec 18, 2009 05:11 am Post Subject:

Thanks to all for replying to my post and having this discussion. Though it seems like we have some confusion on some point .

sdchargersfan and max, it seems like revacyrus, sent a good link, which explains elimination period. What do you say about it?

Posted: Fri Dec 18, 2009 05:19 am Post Subject:

Sorry everyone, but site is
(link removed by moderator per Terms of Use- InsTeacher)

I am not sure if it answers your question but I treally hope its of help

Posted: Fri Dec 18, 2009 09:44 am Post Subject: insurance

Actually......JULIE, ..the link, he sent me, did not work at MY end. It opened to a 'blank page'. So..I'm not SURE what to think about that.