Long Term Care problems Solved
Ask the expert, Dennis H. Lentin

Click on a question to read the answer...

• After the recent attacks in New York and the things that are coming in the mail I wonder if I would be covered under my Long Term Care policy, if I was a victim of any of these Terrorist activities?
• Are all Long Term Care Plans the same?
• At what age should you buy Long Term Care?
• Can I believe what the Long Term Care Insurance agent tells me?
• Can I save money by having a longer elimination period?
• How available are NTQ plans?
• How can Long Term Care Ins. help me?
• How do I determine which plan is best for me?
• How much facility care will Medicare and a supplement pay for?
• How much Home Care does Medicare really pay for?
• How much will a Long Term Care plan cost?
• I am 75 and I want to buy a Long Term Care Plan, why are they so expensive?
• I am a Federal Employee, what does the Federal Government do for Long Term Care?
• I am a Vet and I know the V.A. will take care of me. Why do I need Long Term Care insurance?
• I am in my fifties and think that I should wait until I am older to purchase Long Term Care insurance. Am I right?
• I am sixty years old and healthy. How much more will it cost me to wait until I am seventy?
• I applied for a Long Term Care policy and was declined, what can I do?
• I belong to a major senior association; they recommend a plan that is underwritten by a major insurance company. The association has millions of members, am I correct in assuming that the plan is good?
• I do not want to sit down with a specialist right away, how do I get information so that I can become familiar with Long Term Care Insurance and see how it works?
• I don't want to go to an institution if I need skilled care. Can I receive the same services in my home if I buy Long Term Care insurance?
• I have a friend who lives in New York, why does she have different benefits than I do?
• I have a Home Health Aide paid for by my LTC policy. I do not like this aide, what can I do?
• I have a mild case of Diabetes using only forty units of Insulin a day. Why won’t Long Term Care Insurance companies insure me?
• I have a policy for several years and I can no longer afford to pay the premium, what can I do?
• I have a policy that gives me four hours per day in help, will that always be the case?
• I have an LTC policy that is several years old, should I have it reviewed?
• I have attended several Long Term Care seminars and still can’t figure out what my needs are. How do I determine what kind of coverage I need?
• I have been told that I need to have my Long Term Care policy reviewed. What does that involve?
• I have Diabetes and have high blood pressure, all under control. How does this affect my Long Term Care application?
• I have heard that Long Term Care policies have changed over the past year. What changes have been made and how will they affect me?
• I have high blood pressure and do not always take my medication for several days, what is the big deal?
• I have Parkinson’s, is there a policy available to me?
• I keep going to these Long Term Care Seminars, but they never answer my questions, why?
• I keep hearing about tax qualified and non tax qualified plans, what is the difference?
• I know that I need Long Term Care insurance and that I have to talk to someone about this. I just don’t want any sales person in my home. How can I avoid this?
• I know that I need Long Term Care insurance, can my general agent help me find the proper plan?
• I live with my sister; we will take care of each other. Under these circumstances should I consider Long term Care Insurance?
• I never want to be in a Long Term Care Facility, is a Home Health Care policy adequate?
• I only need help in the morning. How will my LTC policy deal with that?
• I only want Home Care; I am not going to a nursing home. Why should I buy a comprehensive policy?
• I purchased a very inexpensive LTC plan several years ago. The cost of my plan seems to go up every year or two, why?
• I refuse to go to a Nursing Home, how would an LTC policy helps me stay home?
• I remember the last President of the United States signed a bill that required the Federal Government to come up with a Long Term Care Insurance plan by October of 2003.What is this all about?
• I saved my money and want to leave it to my children. How do I get the state to take care of me?
• I talked to somebody that is a career agent for a major company; can they do the job for me?
• I think that if I save the money I need for care I would be better off not buying insurance, is that correct?
• I thought that I might not be able to secure a Long Term Care policy due to poor health. My agent found a company that would take me, does that mean that I probably find a cheaper policy if I looked around?
• If I am declined by an insurance company, can I purchase Long Term Care from another company?
• If I put away $ 3,000.00 a year, will I have enough money to cover my Long Term Care needs?
• If something happens to me and I need care at home will I be able to receive are at the home of a friends or my children’s home?
• Instead of buying Long Term Care insurance, I have been hearing about annuities that can also cover you for Long Term Care. Are they more expensive? What are the benefits and what are the negatives?
• Is a Care Coordinator a gatekeeper?
• Is it expensive, how much will it cost?
• Long Term Care Insurance is not cheap, I can afford it, but I don’t want to spend my money. What good will having Long Term Care Insurance do for me?
• Long Term Care Insurance, who needs it?
• Money is a little tight and I don’t think that I need benefits for more than 60 or 90 days, is coverage like this available?
• My agent told me that all I need is Home Health Care Insurance, what do you think?
• My agent told me that my Doctor would make all the decisions, is that correct?
• My daughter said she will take care of me, why would I need Long Term Care Insurance?
• My friends tell me that I should wait – is this true?
• My kids will take care of me, why should I buy Long Term Care insurance?
• My mother recently purchased a Home Health Care plan. She then had a stroke and will spend the rest of her days in assisted living. Why won’t they pay for her assisted living costs?
• My neighbor is 72 years old and pays $5,000.00 per year for her long term care insurance. I am 75 does that mean that I will pay more?
• My neighbors told me that I do not need Long Term Care Insurance, are they correct?
• My policy went up substantially, what can I do about it?
• My regular insurance agent also sells Long Term Care Insurance; can he or she help select the proper plan for me?
• My regular insurance agent tells me that I need Long Term Care Insurance, is he right?
• My sister received an aide to help her. The aide was paid for by her Long Term Care policy. The aide is not a nice person and does very little. If I have a policy, do I have to use the people that the company sends?
• My wife wants to buy Long Term Care Insurance, but I won’t need it. Why should I but Long Term Care insurance?
• Questions to ask your children before buying Long Term Care Insurance.
• Should I wait until I am older to buy?
• So, what are better, tax-qualified or non-qualified plans?
• The agent I am dealing with only sells for one company. How will this effect my choosing a proper Long Term Care Insurance plan?
• The Ten Reasons People Do Not Buy Long Term Care Insurance
• What difference does it make if I wait? After all I am 74 and nothing has happened yet.
• What do you think about group plans for Long Term Care Insurance?
• What happens if I am on Vacation and can’t pay my LTC policy on time?
• What happens if I purchase Long Term Care and change my mind?
• What if I only want Home Care - I will not go Into a Nursing Home?
• What is the advantage of having a care coordinator?
• What is the best age to buy Long Term Care Insurance?
• What is the biggest benefit of Long Term Care?
• What is the difference between a tax qualified plan and a non-tax qualified plan?
• What is the difference between Home Health Care, Comprehensive Care and Long Term Care?
• What is the major difference between Tax Qualified (TQ) and Non Tax Qualified Plans(NTQ)?
• What is the most popular daily amount of benefits sold in South Florida?
• What kind of assistance do I receive at home if I only need a little help?
• When I purchased my LTC policy, I listed my Doctor that I was seeing at the time. Now I have changed Doctors, do I have to notify the company of the change?
• When you have a plan that provides for inflation protection and you have had several illnesses, how do the insurance companies calculate the reaming balance of your benefits?
• Why can’t I buy Long Term Care Insurance just before I need it?
• Why can’t I get a quote over the phone?
• Why do I need a Long Term Care Comprehensive plan, I only want home care?
• Why do I need a need analysis?
• Why do I need Long Term Care Insurance – my children say they will take care of me?
• Why do insurance agents want you to sign up right away? After all I need time to think about this.
• Why do some companies have price increases in excess of forty percent?
• Why should I but Long Term Care Insurance? I have plenty of money!
• Why should I buy a Comprehensive plan, when a Home Care plan is cheaper?
• Why should I buy Long Term Care Insurance?
• Why should I buy Long Term Care Insurance? I have plenty of money!
• Why should I do this now, can’t I think about it?
• Why should my wife and I spend $ 3,000.00 per year? If we purchase Long Term Care insurance, and never need it we will have wasted our money.
• Why would I not want a zero day elimination period?
• Why would I want to buy a comprehensive plan, when I know that I will never go into a Nursing Home?
• Will all the policies pay for assisted living?
• Will Medicaid take care of me at home?
• Will my Home Care policy pay for an Assisted Living Facility?

For a free buyers guide to Long Term Care Insurance, call 1-800-960-0438

Email Us at

or write to:

Dennis H. Lentin
DL Financial Consultants
3852 Black Forest Circle,
Boynton Beach, Florida 33436