Why We Launched This Blog

This blog is being launched to discuss the issues of long-term care insurance.
The people most affected by long term care insurance problems are the children of elderly parents who have developed the need for assistance with activities of daily living. These activities may include, to name a few, bathing, dressing, feeding, or ambulating. Additionally, the need for assistance may be the result of memory problems that have made independent living a hardship. These life changes are undoubtedly challenging for the family and include the need to make critical decisions such as whether to move parents into assisted living, bring care givers into the home, or perhaps consider a nursing home. All of these options are expensive.

Long-term care insurance is supposed to be there if and when the need arises. All too often, insurance companies deny valid claims at a time when people are most vulnerable. Also, policies may appear not to cover certain things when in fact they do. It is critically important to the proper planning of care that your rights are fully understood before making decisions that you may not be able to undo. One should never take it for granted that an insurance company denial is valid. Remember, insurance companies are in the business of making money, not paying money. Remember, that you or your parents paid hard earned money to buy the insurance that is supposed to be helping at a time of need. KNOW YOUR RIGHTS.

Hopefully, we will be able to offer you some insight into the issues surrounding perhaps the most important insurance policy you own-Long-Term Care Insurance.