A 90 day calendar elimination period sounds simple, but when does the clock actually start? Understanding the different types of calendar day elimination periods can help you avoid costly surprises.
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Scott A. Olson, CLTC®, is co-founder of https://t.co/cA57dHiS3J and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
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Type C, D, and E elimination periods all work differently. Understanding how many days of paid care count toward your elimination period can make a big difference when planning for long term care.
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Scott A. Olson, CLTC®, is co-founder of https://t.co/jVxdIBMSm9 and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
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A Type B service day elimination period can be more flexible than most people realize.
Just 1 day of qualified care each week can count as 7 days toward your elimination period.
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Scott A. Olson, CLTC®, is co-founder of https://t.co/hLgiJAf1ON and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
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Most people think a “service day” means 24 hour care. It doesn’t.
With the most common Type A elimination period, even a short home health aide visit can count as one full day toward your elimination period. Understanding this can make a huge difference when it’s time to file a claim.
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Scott A. Olson, CLTC®, is co-founder of https://t.co/TVePHOhEa4 and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
The wealthy don't buy long-term care insurance to protect against a $170,000 nursing home expense. They buy long-term care insurance to help protect against a million dollar home care expense.
Average Long Term Care costs are around $170k.
If you are paying for long term care insurance and worth way more than this, you are likely getting scammed.
@Hstlinghosptlis People with 8-figure net worth buy long-term care insurance every day. They particularly like policies that can pay benefits for an unlimited number of years. Those policies are available for sale in 49 states.
Not all elimination periods work the same way. Some policies have separate elimination periods for home care and facility care, and understanding the difference between service day and calendar day can make a major impact during a claim.
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Scott A. Olson, CLTC®, is co-founder of https://t.co/ZSmGfs2pWL and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
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@LiquorAntics@Can2CG The wealthy don't buy long-term care insurance to protect against a $170,000 nursing home expense. They buy long-term care insurance to help protect against a million dollar home care expense.
A real life example of how a 90 service day elimination period worked for our family. Small daily home care visits made a huge difference and helped satisfy the elimination period quickly with minimal out of pocket expense.
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Scott A. Olson, CLTC®, is co-founder of https://t.co/nW58QnJ6a3 and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
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A real example of how a 90 day service elimination period worked for our family. Even short daily home care visits helped us meet the requirement.
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This example confuses a lot of people in long term care insurance. Here’s why it does not make much practical sense.
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Clear answers. Real guidance.
If long term care insurance has ever confused you, this book breaks it down in a way that actually makes sense.
Know your options, understand the pros and cons, and make a decision that fits your life.
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Most people hear “90 day elimination period” and have no idea what it means. Here’s what you need to know before buying long term care insurance.
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Most people don’t understand their elimination period until they need to file a claim.
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Scott A. Olson, CLTC®, is co-founder of https://t.co/BULuV7g48P and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
#ltc #longtermcareinsurance #longtermcare #insurancetips #ltci #financialplanning101 #fiancialfreedom #retirement #lifeinsurance