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Policyholder's on some Long-Term Care Insurance policies can pay past-due premiums and reinstate their policies in a specified period of time after they have lapsed the policy. If the failure to pay was the result of cognitive or functional impairment additional protections are provided.
If the long-term care benefit is not used or is only partially used, the unused death benefit is paid out to policyholder’s heirs like any other life insurance policy or annuity would do.
March 23rd, 2024
Safeguarding your 401(k) and assets from the escalating costs of long-term care is essential to ensure a comfortable retirement and maintain your financial legacy. With a plan you secure your finances and allow your loved ones the freedom to be family rather than bearing the weight of caregiving responsibilities.
December 18th, 2020
Your dog or cat may be a great asset to your overall health and well-being. With longevity, a dog could be a great partnership in your plan for both physical and emotional health as you get older.
Long-Term care can be costly if you aren’t prepared. We look at types of care, payment methods, and typical costs for different long-term care types in California.
May 31st, 2022
If you have an automobile accident in Florida, there are things you should be aware of, especially if there are injuries.
March 28th, 2021
In 2012 former U.S. Senator Mark Kirk (R-IL) suffered a stroke at age 52. Research shows that younger people are now having strokes and TIA's, and the impact of such health events can create many consequences for a victim's family.
July 20th, 2022
When someone needs long-term health care, whether it is because of dementia or numerous other reasons, many people think life is over. Quality care promotes a better quality of life. Being prepared eases the family burden and protects savings.
August 10th, 2015
CDC announced some people should get their flu vaccination before the end of December. Those 50+ and children 6 months to age 5 are some groups that have priority concern.
February 6th, 2025
Grandparents play an essential role in the lives of their grandchildren. When you talk to grandparents, they tend to light up when talking about their grandchildren. Take advantage of the time when you become grandma or grandpa.
Usually, the policyholder can choose between Simple and Compound increases. Simple increases add the same dollar amount to the monthly or daily benefit each year.
June 17th, 2024
Car accidents can have severe consequences, including physical injuries, property damage, and emotional trauma. The proper legal advice following a car accident provides guidance on navigating insurance claims, understanding legal rights, and obtaining appropriate compensation.