LTC HOME
CONSIDERATIONS
FUNDING THE COVERAGE
WHAT IS LTC?
WHO NEEDS LTC?
MEDICADE/MEDICARE?

LTC SUMMARY

LIMITATIONS AND EXCLUSIONS

UNDERSTANDING LTC
AVAILABLE SERVICES

PAYING FOR SERVICES

TYPES OF FACILITIES
UNDERSTANDING SOCIAL SECURITY
COMPARE POLICIES WORK SHEET
QUOTE QUESTIONNAIRE

EXCEPTIONS
Limitations And Exclusions

Most long term care insurance policies will not pay benefits for any confinement, care, treatment or service(s):

  • that results from attempted suicide or intentionally self-inflicted injury;

  • that results from voluntary participation in a felony, attempted felony, or illegal occupation;

  • that results from a sickness or injury for which benefits are provided under any state or federal worker’s compensation law;

  • provided outside the United States or Canada;

  • provided in a government facility (unless otherwise required by law);

  • provided for the treatment of alcoholism or drug addition, or in facilities operated primarily for such treatment;

  • provided in facilities operated primarily for the treatment of mental or nervous disorders or disease, other than Alzheimer’s disease or dementia.

        

 

46 Years Experience
U.S. Licensed Agent/Broker