“In hindsight one of the smartest things I did about 20 years ago was to purchase a long term care policy. I used a website on my computer that analyzes different policies, based on my situation and then placed them in order for me to choose. I chose a policy from a well-known company with certain provisions. Such as an annual inflation factor and a waiver of premium and a non-cancellation clause.

Many years later, I suffered a mild stroke and after a short hospital stay returned to my living quarters (independent living in a retirement community). I needed at home help which is provided by my long term care insurance policy and started using the services of a well-known national home care provider. They are recognized by the long term care insurance industry as a stable, competent provider and I am very pleased with how the insurance company and the home care provider work together. The home care provider sends a weekly invoice to the insurance company and they promptly get paid. What I like so much is that there is nothing I need to do…the transaction is nice and smooth between the insurance company and the home care provider. I don’t need to handle any paper work and don’t have to worry one bit – What a relief!”


LTCi adds – the above client had many interruptions from his long term care insurance paying. It would pay sporadically but was interrupted for a period of three weeks. We stepped in, spent dozens of hours over three months working to talk to the right person, get his policy reimbursing. To make payment faster, we coordinated direct payment between the insurance provider and the home care provider (not all home care providers will do this – it’s called taking “assignment”). To talk through this case or others similar, please reach out to us today.