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Long Term Care Insurance


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#1 Kamlesh

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Posted 07 January 2008 - 06:07 PM

Any thoughts on getting long term care insurance?
How difficult it is for Scleroderma patients?
I am exploring possibility of getting long term care.
Any pointers are appreciated.
Kind regards,

Kamlesh


#2 millerscrossing

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Posted 08 January 2008 - 04:55 AM

kamlesh,

these are my thoughts only, I am speaking with no authority here......but I would imagine it would be very difficult for someone to get approved for long term care once you have been diagnosed or even just reported the symptoms you have to your doctor.

this is a chronic and progressive diasease, which means a lifetime of problems - and we are a worst case scenario as far as long term care coverage is concerned - so no insurance company in their right mind would offer you long term care

i may be wrong, I doubt it though........sorry I have nothing more positive to tell you

i can say that in my case I do have long term care, but that is because I enrolled in a plan before any symptoms presented themselves. the insurance company played every game in the book to get out of it, but they knew they couldn't and in the end they had to qualify me.

every day I am grateful for this gift from my company when I joined............anyone with friends family should all be encouraged to takre out LTCI, we are all very good examples as to why......

kamlesh...stay in touch , I will pm u soon

james

#3 Peggy

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Posted 08 January 2008 - 05:22 AM

I sell long term care insurance for a living, well at least I did before this disease has stopped me from working, and I can say for sure that anyone who has something in their medical records about this disease will not be able to get it. Long term care is very medically underwritten and they go 3 years back on your medical and some may go back 5 years, and given that no coverage would be provided due to this disease. Sorry I don't have good news for you. If you think you can get it from a company go ahead and try. Some companies charge an application fee to see if you can get it and some don't. If you want, you can PM me for the names of a few companies that seemed to be more liberal in their underwriting.

If you can get it - fantastic! I wish I had gotten it but I'm only 48 and wasn't thinking I needed to look at it until I was 50 or so and now I know with how bad I am that I can't get it.

Good luck to you tho.

Warm hugs from Minnesota.

Peggy

#4 Sweet

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Posted 08 January 2008 - 07:40 AM

How ironic that the people who will really need the care are unable to get it. I will try to stay off of my HUGE soap box when it comes to any type of insurance, but it's the biggest legal scam there is. I've been in the medical field for 27 years and it's been very disheartening to see the underhanded, manipulative twists that happens to those in need of help from insurances.

If you are healthy and have no need to use the insurance you PAY for, then they keep you around. If you have the gall to actually use the insurance you PAY for, they give you a bad time and then drop you.

What a disgrace! I am a full supporter of the movie SICKO can you tell? :) The US needs to get it together.
Warm and gentle hugs,

Pamela
ISN Support Specialist
International Scleroderma Network (ISN)

#5 millerscrossing

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Posted 08 January 2008 - 10:56 AM

I AM A HUGE SUPPORTER OF THE MOVIE SICKO!!!!

nice one Sweet..get right back on your soapbox!!! .everything Michael Moore said about healthcare in the uk is true...it is a sad fact that human beings have the right to bear arms n the usa, but no riight to healthcare...the only civilised country in the world.not to have uhc..............America is the land of the free - for those that can afford it!!

i am going to start my own blog in the very near future...it is in the design stage at the moment - the blog will cover the issue of universal healthcare in a major way.....

i hope some of you get to read and comment on it.......

#6 Michelle2

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Posted 08 January 2008 - 11:23 AM

WOW how EYE opening is this! :glare: I had no idea! This is awful! Thanks for the heads up Peggy & Sweet. (love the new picture Sweet)
Take care and stay warm,

Michelle

#7 aniwallar

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Posted 08 January 2008 - 12:29 PM

Peggy:
I'm sure I sound not from this world but, What is long term care? Is it the same as regular medial insurance?
I think I am covered, I have my Blue Cross and also I have tricare. I had no idea that insurances could "drop you"
Please explain and thanks,

Ani

#8 Jordan's Mommy

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Posted 08 January 2008 - 01:00 PM

Hi,

I have no idea what your employment situation is, but when you start new employment with a company that provides medical insurance or long term disability insurance to its employees, the insurance company must accept you without asking about previous medical history (this has been my experience in California). However, you only have a limited amount of time to enroll in the programs to get this "free pass." Sometimes employers have open enrollment periods where if enough people elect a specific type of insurance, you can get in "the pool" without answering questions about your health. I think larger employers are the ones who do this more often than smaller employers. Good luck. Unfortunately, I have a friend who was denied coverage merely because she was pregnant (and knew it) when she applied for long term disability insurance

#9 Sweet

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Posted 08 January 2008 - 01:09 PM

Thanks Michelle!
Warm and gentle hugs,

Pamela
ISN Support Specialist
International Scleroderma Network (ISN)

#10 Kamlesh

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Posted 08 January 2008 - 02:21 PM

Long term care and long term disability are two different issues. I do have long term disability for which I pay premium and did not require any health questions. However, long term care is more difficult to get and most likely require scrutiny of your health. Here in California, I believe there is a state sponsored program supported by few long term care insurance companies. I am exploring, if I can be qualified.
Kind regards,

Kamlesh


#11 peanut

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Posted 08 January 2008 - 06:35 PM

Hum? I have long term disability thru my company. It's something they automatically enroll new employees in and it only cost pennies, but pays twice what federal disability pays out, tax-free. The biggest pain is the constant paperwork. Its not health insurance its a policy that pays out if you become disabled, work or non-work related. Typically its larger companies that have short-term disability policies, not all have long-term.

I'm not sure what long term care is although I like the sound of it. I need someone to scrub my tub once a month cause I can't.

peanut

You can deprive the body but the soul needs chocolate
my HMO makes me wear a helmet...

#12 Kamlesh

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Posted 08 January 2008 - 07:36 PM

Hi Peanut,

Long Term Disability provides some percentage of your salary till you start getting social security. Earlier my company was providing for free, but now we need to pay premium. They have 2 options 50% or 2/3rd of salary.

Long Term Care provides daily allowance for Nursing Care facility. Medicare does not cover Nursing home expenses. Statistically, large percentage of people will require nursing home care and these expenses can financially wipe one out. So, it is good idea to have long term care insurance.
Kind regards,

Kamlesh


#13 peanut

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Posted 08 January 2008 - 11:04 PM

Kamlesh,
Thanks. Hum. No tub scrubbing. Maybe I can train my kitty to tub scrub.

I called my insurance to inquire about more life insurance. Scleroderma was an automatic decline because its on the list of conditions that lead to death. Hum Happy. So I doubt I could get long term care insurance. I did discover that I can get more life insurance at a reasonable rate thru my husband's company without any medical tests, which makes me wonder what other kinds of insurances are available...

peanut

You can deprive the body but the soul needs chocolate
my HMO makes me wear a helmet...

#14 truman

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Posted 08 January 2008 - 11:10 PM

My company just provided AFLAC (you know, the duck) for cancer. Trouble is we had one month to consider it, and those who were previously diagnosed with cancer were ineligible . Even the "umbrella" of AFLAC for cancer alone, didn't seem realistic for the premiums required by employees. I thought AFLAC was an across the board "umbrella" as opposed to "certain illness" type of coverage. What is it? A premium for cancer here, a premium for diabetes there, a premium for sclero here, a premium for HBP there, etc.?
Tru

It is what it is...........

#15 Peggy

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Posted 09 January 2008 - 06:14 AM

Long Term Care Insurance is different than disability and different than major medical. This is a separate health policy that provides for care - whether it be: a)home health care; B) assisted living facility care; c) nursing home care; d) adult day care - where you go for the day to be in activities; e) hospice care - if you are terminally ill; f) respite care - this gives your caregiver a break and someone comes in to help; and g) alternate plan of care (this is in case they come up with new ways of taking care of people.

Due to the "baby boomers" coming this kind of care is such a necessity if you can get it. It is very medically underwritten and they (the company you apply with) gets your medical records for the last 3 or 5 years. The younger you are when you take this kind of policy out the cheaper it is.

If you have sclero and you can get this type of care by all means get it and jump up and down if it goes through, as this would be such a help down the road if need be.

How it works is you take out a policy with a deductible or elimination period (when the policy starts) and I recommend a 0 day elimination period so it starts right away when needed.

You then pick a time period that it will pay for (1 year; 2 years; 3years; 5 years or unlimited). This time period starts when you start a claim. The great thing about most policies is that when you are in claim your premium stops.

When it comes to home health care this means someone comes in and takes care of you, as well as helping with domestic things in the house.

I sell this type of insurance but haven't been working for the last 3 months due to this disease. I wish I had taken it out myself but I thought like most people "I don't need to do this until I'm older). Well, look what happens.............you get diagnosed with a terrible health disorder and now you can't get the coverage.

My recommendation would be to apply and see if you can get it and if you can great. Every company's underwriting is different and every State's is different so keep trying until you find a policy that will take you. I just know in the State of Minnesota, where I'm from, that I can't get it.

Good luck and I hope this info helps.

Warm hugs from Minnesota.

Peggy

#16 GocartMoz

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Posted 09 January 2008 - 03:52 PM

Peanut,

I was in the midst of shopping for more life insurance when I received my Scleroderma diagnosis. I was devastated, as I did not have enough insurance, and was very concerned I was going to leave my family high and dry if I didn't survive this disease. Things got even scarier when, in the midst of my stem cell transplant and recovery, I realized I had forgotten to send in the premium for my existing coverage. Lets just say that alot of things slipped by me during this period. Thankfully, I was able to get that coverage reinstated, with significant effort. For anyone going through this, a direct debit from your bank account is a good idea with respect to your insurance coverage. I recently again began my search for additional coverage. While it is very difficult to get coverage, it is not impossible. I have contacted, (PM me for name), an insurance agent who sometimes posts on this board, and is excellent at obtaining coverage in difficult cases. He has found some companies that seem interested in my case. I am keeping my fingers crossed. I am certain the coverage, if I get it, will be very expensive but the peace of mind will be worth every penny. Don't give up hope in finding coverage!

Dave in FL