Long Term Care Quotes and Special Discounts


It is true that you should be able to determine exactly what you expect from your long term care insurance (LTCI) policy before requesting long term care quotes.  But if you want to save money on your premium, you’ll check out the other facets of a potential policy. 


You may be able to cut back on your annual premium if you go for a small maximum benefit amount but the problem is that you might turn out underinsured.  You can opt for a very short benefit period but in the event that you acquire an illness that will progress over time and require increased levels of care, this could result in huge out-of-pocket expenses.  You can also choose a 180-day elimination period but if you have limited resources you might never get around to satisfying this aspect of your policy and thus you won’t qualify for your benefits.


While it’s good to focus on the variables of your policy, it also helps to look at other factors outside of it that offer great premium savings.  Pay attention to the various discount rates offered by LTCI carriers.


Given the fact that LTCI policies are expensive, you have to find ways to cut back on your annual premium.  Just because other policyholders reduced their maximum benefit amount, shortened their benefit period, and extended their waiting period it does not mean you have to do the same. 


Factors to Take Into Account When Comparing Long Term Care Quotes 


Most people just take into account their possible long term care (LTC) needs, the cost of care in their area, and the rate of inflation when comparing their LTCI quotes. 


Some of them are so busy reducing their maximum benefit amount, benefit period and the other components of a potential policy seemingly forgetting that the main purpose of buying an LTCI policy is to avoid large out-of-pocket expenses.   


You don’t have to sacrifice your coverage in exchange for a lower premium because you can obtain huge savings from the special discounts which most LTCI companies offer. 


For instance, the good health discount can be availed by young individuals with excellent health condition.  So if you do not have a pre-existing condition or you don’t manifest symptoms of any debilitating disease at the time you applied for an LTCI policy, you have big chances of acquiring up to 10% good health discount.


Aside from healthy individuals, couples can also have the privilege to enjoy partner or spousal discounts.  It’s not only married individuals who can qualify for this type of LTCI discount because gay and lesbian partners, and even siblings can avail up to 40% discount on their LTCI premiums.  For as long as same-sex partners have a civil union certificate and they can prove that they are or have been living together, sharing domestic chores and living expenses they can qualify for the spousal LTCI discount.


Ask the LTCI agent who’s helping you gather long term care quotes how else you can reduce your premium without compromising your coverage.    


More Electronic Sensors Articles

HAARP Weather Modification Program EXPOSED_Governor Jesse Ventura 2014

jesse ventura jesse ventura conspiracy theory jesse ventura off the grid jesse ventura conspiracy theory 2014 jesse ventura 2014 jesse ventura fema camps ful… ‘Like’ if you like. Feel free to subscribe to my channel. Uploader: revmichellehopkins Uploaded: Dec 7, 2012 02:50 AM TTA = Tesla Tech Array This is what is …

PCB Stage 3 Boss – Alice Margatroid’s Theme – Doll Judgment

The music playing during the battle with the boss of stage 3, Alice Margatroid, in ‘Touhou: Perfect Cherry Blossom’. Video Rating: 4 / 5

Where to Get a good Windshield Replacement quote

If you need to get your windshield replaced, you should first look for a good windshield replacement quote. When it comes to windshield replacement, the price you pay will depend upon the type of car that you have as well as the type of windshield that you need for that particular car. There are shopsContinue Reading

PCB Stage 4 Boss – Prismriver Sisters’ Theme – Phantom Ensemble

The music playing during the battle with the boss of stage 4, Prismriver Sisters, in ‘Touhou: Perfect Cherry Blossom’. Video Rating: 4 / 5 TI Electronic Llc. has 20 years of experience in PCB Assembly and the services and technologies in connection with PCB Assembly.

USA_HAARP CBC Broadcast Weather control part 1.(Haiti)

USA_HAARP CBC Broadcast Weather control part 1.(Haiti)

USA_HAARP CBC Broadcast Weather control part 1.(Haiti) Video Rating: 0 / 5

Earth2150-LC Weather Control Center

Earth2150-LC Weather Control Center www.earth2150.cn. Video Rating: 0 / 5

PCB Main Menu Theme: Mystic Dream ~ Snow or Cherry Petal (Re-Extended)

This is the Main Menu theme from Touhou 7: Perfect Cherry Blossom It’s finally time to redeem myself… “Are you ready to go? Remember, it’s pretty darn cold…

Tata Chemicals – Power of One

The Tata Chemicals’ story began in Mithapur, Gujarat in western India with the soda ash plant. Continuing in our nation-building responsibility we gave India…

Weather Control

Controlling weather.