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Post-claim underwriting occurs when an insurance company reevaluates a policy after a claim. They may raise the premium, change benefits, or cancel the policy altogether. Post-claim underwriting is illegal for federally qualified Long-Term Care Insurance policies.
September 8th, 2025
As individuals surpass age 40, the natural wear and tear on teeth become more evident, often leading to increased sensitivity and a higher risk of dental issues. Regular dental care is critical during this period to maintain oral health and address age-related changes such as enamel thinning and gum recession.
This is a named person, trust, or other legal entity which you can designate in a Long-Term Care Insurance policy to receive benefits from your policy after your death.
December 4th, 2025
North Carolina sees population growth as it has become a retirement destination for many in the U.S. Increasing demand for long-term care is raising costs.
December 29th, 2021
Ideally, your mom and dad will remain healthy and independent. But many people will need some help with daily activities or require supervision due to dementia. There are things to consider when it's time to move mom or dad into your home.
September 30th, 2025
Hurricane preparedness is important for anyone, but especially for senior citizens who are disproportionately affected by disasters and the caregivers who assist them.
April 19th, 2026
Millions of Americans face Alzheimer’s and dementia, but reversible conditions can sometimes mimic these devastating diseases.
July 18th, 2017
With recent news on healthcare, it isn’t a surprise more people are now aware that health insurance does not pay for most long-term care services. Neither does...
October 14th, 2019
America is aging and this longevity is creating physical, emotional and financial burdens on both the elderly and their adult children. Despite the availability...
A reverse mortgage allows homeowners to convert part of their home equity to cash to pay for long-term care expenses.
March 11th, 2021
Gene Wilder, star of Willy Wonka and other major movies, passed-away at age 83 in 2016 after suffering with Alzheimer’s. Many American families deal with the stress and burden of caring for a loved one with dementia.
July 6th, 2017
Medicaid cuts are reductions in increased budget spending but the impact on your future long-term care has become a big concern. What is the impact and will private LTC insurance be an answer?
