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Reply to "long-term care insurance - good idea?"
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[quote=Anonymous]I have long term care insurance and I'm glad I do. Of you have assets more than $300.0 but less than they say $2M-5M, it's a good idea. Just buy what you can afford with a larger daily benefit and smaller number of years ( say3-5) to save based on history of claims. Get inflation protection , ideally 5% but 3% would work for cost savings.,fibre premium increases of 15% every 10 years now that the currents hikes have settled down. Check out partnership policies if allowed in your state as you can protect those assets up to amount of benefits ifmyoumneed more on Medicaid ( requires 5% inflation policies). Go with a LTCi agent to see options as premiums can vary widely. Review financial ratings and prior premium hikes of company. Group policies are not always cheaper than individual unless you need help to avoid stringent underwriting. Even if you can't afford as much as you want buy what you can to relieve a possible future burden[/quote]
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