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Have you answered these long term care questions?

There is no denying the fact that you may need to purchase long term insurance at some point in the near future. Furthermore, it’s best to do this when you are relatively young and healthy, as it will save you quite a bit of money.

Before you make a purchase, however, there are several questions you need to answer:

— What are the benefits of buying long term care insurance?

— How long does long term care insurance last?

— When are you eligible to make a claim for benefits?

— Are there any situations in which you won’t be able to receive benefits, despite the need for long term care?

— What type of coverage does long term care insurance provide?

— What are the options available for paying for long term care if a person doesn’t have insurance?

— What’s the best way to find and purchase a long term care insurance policy?

Along with the above, there is one last thing you need to think about: the process of making a claim.

When you purchase long term care insurance, you hope you never need to make a claim. However, you know that this could be a possibility at some point in the future. If you make a claim, you hope that it’s paid out without delay.

In the event that your claim is denied, it’s imperative to understand the appeals process. This will go a long way in helping you clear the air and receive the benefits you deserve without delay. If you’re owed benefits, you shouldn’t stop until you receive them.

Source: NIHSeniorHealth, “Long-Term Care,” accessed July 25, 2016

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