 I can't get insurance because I'm not a full time college student what can I do to get insurance? |
| Ok I'll try to explain this as best I can...so I'm a part time college student and I can't get insurance because I'm only a part time student and I have to be a full time student ... |
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 When buying home insurance how does the insurance company get the size? |
| On the policy it has a different square footage than on the paper works when I bought the house (it's less), i was wondering if this is a big deal as it is a 25 square foot difference...where do ... |
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 How do I speak to a health insurance agent in TExas? |
| I've tried looking online for a local health insurance agent to talk to but I can't find one. I live in corus christi T... |
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 Can i claim off my house insurance if my keys have gone missing? |
| Im a council tennant, not quite sure if i can get the locks changed for free. I will find out tomorrow, however need to know whether if i have to pay, can i claim off my house insurance. Will i ... |
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 Will my fiances health insurance pay for my medical care during pregnancy after we get married? |
| I am 4 weeks pregnant I am marrying my finace on June 30th. He works for Jewel-Osco and has pretty good health insurance. Is the insurance company going to pay all the expenses during my pregnancy ... |
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 Does anybody know if my auto insurance will cover damage to my car doors caused by my kid? |
| My child was playing outside and accidentally damaged my car door. Would this be covered under comprehensive or maybe my home owners policy?... |
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 How I can find out if someone has a life insurance on me? |
| I have had on accident,before my boyfriend founds out from state police on the scene,my ex. call our old friends to find out how I feel,everything ok?The witness can describe the car but not a ... |
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 Do multi-millionaires need health insurance? |
| I would assume they could afford any hospital bills, no matter what illness, so do they even bother getting health insurance?... |
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 No win No Fee??????? Any advice please? |
| Hi. Has anyone used one of these companie's? If so how long do they take to sort things out. Very briefly, had an accident at work, got a Solicitor on the case just wondering how long before it&#... |
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 Unemployment and Health Insurance in Ohio? |
| I got laid off two weeks ago due to shortage in work. I will start receiving the unemployment benefits the coming week. I was scheduled to have a varicocele surgery in the first week of January. My ... |
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 What is the best way to take care of the medical expenses of my aged parents ? |
My parents are aged 63 & 58 . They are not covered by any insurance so far. Both of them are diabetic and take medicines daily.
What is the best way to deal with the medical expenses that ... |
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 Health Insurance? |
| I may be accepting a job that does not have health insurance. What are the disadvantages of having an individual health plan? What is an HSA and how do I get one?... |
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 A friend of mine's husband just passed away. Does she have to pay tax on the life ins. money? |
It isn't a lot of money, about $50,000. Has to last her the rest of her life. Can anyone help. Thanks...
Additional Details
The spouse died of complications of surgery, not an ... |
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 How much it cost to get buried? |
What is the average cost of burial and moseleum?
i'm thinking of getting life insurance (i'm in my 20's). I want a nice casket and to be buried in a moseleum (sp)....what is the ... |
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 Can just anyone take out life insurance on anyone else without telling that person.? |
Can they make them self the beneficiary and claim the money when the person dies.
Additional Details
Ok, first of all, I'm not planning any insurance scam. A lady friend of mine ... |
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Darrick W | What is the best long term care insurance? |
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SafetyDancer
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The kind that's in force when you need to pay for long-term care.
But, seriously folks....
Long-term care insurance is not an "off-the-shelf" commodity. To get the best coverage, you need to do a lot of homework and become an informed consumer on the subject.
1) Take the time to go online and get resources for your research. A good place to start is your state department of health website. Virtually all states have a section on issues involving the elderly where you will find information about late-life health problems and paying for care.
2) Order whatever free information you find there or copy and paste it to a Word file and save it in a folder that you create for "Long-term Care".
3) After familiarizing yourself with the landscape, contact several nursing facilities and a couple of home care agencies in the location where the insured is likely to retire. Ask them about average costs and what insurance companies they like to work with...and ones that they don't.
3) Find a competent long-term care agent, preferably one that has taken advanced coursework and is experienced in long-term care PLANNING, not just insurance. Make sure that s/he is an independent agent and can represent several highly rated insurance carriers that have long-time experience in the long-term care market. Examples: John Hancock, MetLife, Genworth (formerly GE) and Prudential. Every carrier designs their coverage a little different from the other, so it's hard to compare apples-to-apples. The lowest premium is not always the best choice for your particular situation.
The rest is up to you. Make your choice of contract design and insurance company based on sound research and a clear understanding of what the insured needs.
This coverage isn't cheap. But, the annual premium may be a lot less that even one month's cost for home or facility care. Everyone over 45 should be seriously considering this type of insurance - both for themselves, or their parents. |
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derek
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Genworth (formerly GE financial).
They are the largest. They've never raised rates on existing policy holders.
There are a few other good ones (MassMutual, Met., Hancock, etc.) but I'd look into Genworth first.
I am also growing fond of the life insurance policies that will allow you to spend your death benefit for long term care (if you need care then spend down your life insurance...if you never need care the policy is paid to your beneficiaries....either way the insurance company pays out something so it's not as if you're "wasting" money). |
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Tenchidbz
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um....glens falls hospitle?... |
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sheeranmj
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I sell mostly Genworth Financial and Metropolitan Life policies. They are both great companies with good products. Call your local MetLife office and set up a meeting to review the long term care plans. Do the same with Genworth. Don't bother looking online. Talk to an advisor. They can explain the policies much faster and you will be better off. The AARP policies are MetLife policies. You can get a better plan for less money by going directly through MetLife sometimes. |
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IWIU
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Depends on how much you want to pay.
I choose blue cross, the price isn't too bad and what you get isn't too bad. |
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Susan C
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That depends on what is important to you. Buying from most companies is hell at claim time. You get a broker that will sell it, but you are on your own during the paperwork of the claim. The claims are complicated to figure out on your own. I work for a company that the Agents do all the claim work themselves. This allows them accountability for what they sell, not just the commission it will generate. If you wish to know who I work for let me know. Keep in mind statistics show that you will not need a LIFETIME benefit, which most agents try to sell. You also need a policy that states it covers "Standby Human Assistance" and Hands On Assistance. A lot of them only cover if you need Hands On. (which means you can do nothing for your self, and may be on your death bed for it to ever pay). Keep in mind also that you do not want an elimination period over 30 days. Medicare and private insurance only cover about 14 - 20 days of skilled care which is the average stay at rehab. If you have a 90 day elimination, you will be responsible for the difference. If at a facility that would mean about $10K to 15K out of your pocket if you need to claim. Most people are better in that 90 days, or passed away. The insurance company never pays a dime if this happens,. They count on that! Hope this helps. Very important info to know before you buy. Some companies are also very hard in the underwriting department, because they are too new to Long Term Care to know how catastrophic the claims can be. Pick a company that has 20 -30 years of LONG TERM Care claim paying. |
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sally72006
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A A R P |
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Dolly
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I think they are the best long term care insurance,
"http://www.tkqlhce.com/email-1961891-... |
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