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Long Term Care Health Insurance Options - Guide to Policies Claymont DE

In any case, additional options to your policy will be quite limited. Having said that, one of the biggest issues with long-term care insurance is making sure that benefit's are available when you need them. Some policies have limitations on when you can restart benefit's after having stopped them.

Jeff Bonifacino
1521 Concord Pike
Wilmington, DE
Company
Title: Financial Advisor
Company: Rockwell Associates
Years Experience
Years Experience: 26
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulatio

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Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

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David Waters
1429 Walnut Street
Philadelphia, PA
Company
Title: Vice President
Company: Professional Planning Associates
Type
Investment Advisor Rep: Yes
Education
Dickinson College/BA in Economics
Years Experience
Years Experience: 30
Service
Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Fee Only Portfolio Management,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfo

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Martin Insurance Agency
(484) 490-5663
Beech Road
Wallingford, PA
 
Benepath, Inc.
(866) 368-0377
3553 West Chester Pike, 166.
Newtown Square, PA
 
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

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Chris McKee ChFC.
747 Constitution Drive
Exton, PA
Company
Title: Managing Partner
Company: uFinancial Group
Type
Investment Advisor Rep: Yes
Education
Undergraduate - University of Miami
Graduate School - Temple University
The American College
Years Experience
Years Experience: 25
Service
Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,401k Rollover From Employer,CD Alternative,Disability Insurance,Investment & Portfolio Management,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Annuity Ideas & Strategy Planning,Planning For Personal Finances &

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Medisweans
(302) 295-8298
501 Silverside Rd, Suite 105
Wilmington, DE
 
National Brokers Network
(302) 722-4084
121 Middleboro RD
Wilmington, DE
 
Joann S Zwagerman, Professional Corporation
(610) 930-6865
PO BOX 978
Bryn Mawr, PA
 
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Long Term Care Health Insurance Options - Guide to Policies

Provided By: 

What Other Options Can I Get With My Policy?

Long-term care insurance, unlike many other types of insurance, is a fairly straightforward insurance product. While long-term care policies have additional options you can get, just like most other insurance, you may or may not need anything added onto the basic coverage. In any case, additional options to your policy will be quite limited.

Having said that, one of the biggest issues with long-term care insurance is making sure that benefit's are available when you need them. Some policies have limitations on when you can restart benefit's after having stopped them.

Lets look at an example. You have been in a serious car accident. Your doctor tells you that you will need to be off work for 18 months to two years in order to fully recover. In that time, you will only regain your ability to care for yourself slowly. Some aspects of your recovery could be partial. Your spouse works, and you'll need that income to cover your finances. Who will work with you at home? Who will make sure you make it to physiotherapy? Who will help you to continue therapy at home?

This is where long-term care comes in. You can hire an appropriate support person who will be able to meet your needs while your family and friends are at work. You can have them at your home for as long as you need them. And the costs are paid.

As a result, one option that you might consider getting on your policy is a clause that ensures that benefit's can be restored later, if needed. Lets say that you ended up needing care again. Perhaps you suffered a re-injury. Youd want your long-term care insurance to kick back in, right? If so, you want to ensure benefit's. This feature will put benefit's back in place, as long as you have recovered for a specified period of time. Typically, you need to have been without benefit's for 6 months before they can resume.

One other option to consider is non-forfeiture benefit's. If you are seriously ill, the ...

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Delaware State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol and drug abuse treatment, birthing center/midwife, blood lead poisoning poisoning screening, breast reconstruction, cervical cancer/HPV screening, chiropractor, clinical trial (cancer), colorectal cancer screening, contraceptives, dependent coverage (including newborns, dependent student/adult), diabetes supplies, early intervention service, emergency room service, hair prosthesis, hearing aids for minors, mammography, maternity minimum stay, mental health, newborn hearing screening, nurse (midwife, practitioner, off-label drug use, optometrist, osteopath (D.O.), ovarian cancer screening, PKU/metabolic disorder, podiatrist, prostate cancer screening, well child care

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