Guest guest Posted June 24, 2004 Report Share Posted June 24, 2004 --Hi , I looked at a policy through ING. The criteria to be accepted with pa was determined by previous or planned surgeries. No surgeries and you might get accepted. I honestly had been told at that point that they would not ever do surgeries but couldn't swing the 68 dollar monthly premiums. They advised against it and said I would end up having medicaid help, anyway.....I told them that's why I wanted it...i've seen the medicaid facilites here and they are bad news. I've found , from helping my friend, that if you have ANY insurance besides medicaid it is far easier to get into a better nursing home.....or even better get required help you need at home. It might be something for people who still qualify to think about. good Luck with it, Marti Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 24, 2004 Report Share Posted June 24, 2004 Hi , I have been turned down both in 2002 and 2003 for Long Term Care Insurance, but not officially. Usually, the insurance agent is reluctant to say that I am eligible because I have type II diabetes along with PA and I had asthma as a child. Moreover, during the summer of 1998, I endured having both double hip & double knee replace- ment operations due to PA. Now, I can walk with only a cane, but last summer I had a blood clot in my leg that involved Deep Vein Thrombosis, so I am still taking blood thinners. Thus, I am trying to stay relatively healthy so I can stay out of the hospital as much as possible. Take care and best wishes to you. Sincerely, Reid age 61 in Washington DC Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 28, 2004 Report Share Posted June 28, 2004 Tried to get a quote from 2 companies and was told I was ineligible. If only I had thought to buy this ins. 10 yrs ago! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 22, 2005 Report Share Posted May 22, 2005 Gil, Here's some of the most respected and highly recognized companies for LTCI. Depending on your age/s, you might also look into what AARP offers, too Shop around; the insurance agents are more than happy to sell you something and the agents can be quite pushy. Compare what they all have to offer. Take the time to read the fine print. This is the advice I was given and I did just that. Both my LI and LTCI are with Northwestern Mutual Life; but know I started with them about 15- 20 years ago. ~ Gretchen Long Term Disability Insurance CNA (800) 775-1541 www.cna.com Northwestern Mutual Life (414) 271-1444 www.northwesternmutual.com UNUMProvident (800) 227-8138 www.unumprovident.com USAA (800) 531-8000 www.usaa.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 22, 2005 Report Share Posted May 22, 2005 Thank you, We were thinking about General Electric Insurance (Genworth today) because of some of their triggers for benefits that are pretty extraordinary in the industry and the fact that they never increased premium. But their underwriting is tough and we are more concerned by being accepted than by the other issues. We are both 57 and my wife is totally independent but we care about the future. Thanks for the resources. Gil Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 22, 2005 Report Share Posted May 22, 2005 Personally speaking, I sought long-term care insurance through General Electric. I am 49. I was not accepted based on the diagnosis of CMT. My husband would have been accepted as he is healthy. My mother is covered under General Electric for long-term care insurance, but she obtained the policy before she had a diagnosis of CMT. Now that she's been diagnosed, it has not affected her coverage, again, because she obtained her policy before the diagnosis. Because CMT is disabling that is what disallows the acceptance by long-term care insurers after the diagnosis. It would not be a problem if you obtain coverage prior to a diagnosis. Blair Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 25, 2005 Report Share Posted May 25, 2005 Welcome to the group Larry! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 14, 2010 Report Share Posted December 14, 2010 Hi Pearl, In regard to Long Term Care Insurance my knowledge is based on the Federal Employee Long Term Care Insurance Program. Based on that knowledge upon underwriting, having scoliosis will make it more difficult to obtain it, result in higher than normal premiums and/or be limited to three or five year rather than unlimited. Hope this helps!! S. Long Term Care Insurance I am looking into long term care insurance prior to my planned surgery. Does anyone have any opinions about long term care and whether it is something that should be gotten before surgery? Pearl Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 15, 2010 Report Share Posted December 15, 2010 Pearl, I hope you can get it. I was denied 3 years ago because I had surgery in 1960. The most stable insurance companies (GenWorth, Met Life, can't think of the 3rd) wouldn't touch me, but an agent told me he could find a small, unknown company somewhere that would give me a barebones policy, if I wanted. I didn't want the risk of throwing my money away. My husband who was slightly overweight, dad had Alzheimers, and smoked in his teens and 20's got Met Life Mw/O a hassle. He never had any surgeries or back probems. They will search your med history. Hope you have better luck. Jolene Morell Shop online at _www.InheritedButtons.com_ (http://www.inheritedbuttons.com/) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 22, 2010 Report Share Posted December 22, 2010 I had a terrible time with MetLife ________________________________ From: <tzu2u@...> Scoliosis Treatment Sent: Wed, December 22, 2010 1:54:33 PM Subject: Re: Long Term Care Insurance  I was not aware of Long Term CARE Insurnace, but have recently dealt with two companies re: Short Term and Long Term DISABILITY Insurance. I can tell you the difference with these two companies was like NIGHT AND DAY! Colonial Life tried all they could - right down to the CRIMINAL not to pay my claim. I say criminal because after the many months it took me to satisfy their every minute demand - they tried to get me to believe I had taken out an ACCIDENT policy when it was not, and so denied me because the disability had not come from an accident. Thankfully, my former employer took them by the neck and they paid out. Unum has been TERRIFIC every step of the way. They have still taken some time to get me approved but I was assigned a counselor who would call me and TELL ME what I would need to be cleared and was very helpful in letting me know the quirks, etc. So, if there is a chance for you to get insurance - steer clear of Colonial and consdier Unum. > > > I am looking into long term care insurance prior to my planned surgery. > Does anyone have any opinions about long term care and whether it is > something that should be gotten before surgery? > > Pearl > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 23, 2010 Report Share Posted December 23, 2010 I had a terrible time with Bankers Life. I had Social Security before Bankers paid up! lj From: Randie Meyer <taknitlite@...> Subject: Re: Re: Long Term Care Insurance Scoliosis Treatment Date: Wednesday, December 22, 2010, 11:13 PM  I had a terrible time with MetLife ________________________________ From: <tzu2u@...> Scoliosis Treatment Sent: Wed, December 22, 2010 1:54:33 PM Subject: Re: Long Term Care Insurance  I was not aware of Long Term CARE Insurnace, but have recently dealt with two companies re: Short Term and Long Term DISABILITY Insurance. I can tell you the difference with these two companies was like NIGHT AND DAY! Colonial Life tried all they could - right down to the CRIMINAL not to pay my claim. I say criminal because after the many months it took me to satisfy their every minute demand - they tried to get me to believe I had taken out an ACCIDENT policy when it was not, and so denied me because the disability had not come from an accident. Thankfully, my former employer took them by the neck and they paid out. Unum has been TERRIFIC every step of the way. They have still taken some time to get me approved but I was assigned a counselor who would call me and TELL ME what I would need to be cleared and was very helpful in letting me know the quirks, etc. So, if there is a chance for you to get insurance - steer clear of Colonial and consdier Unum. > > > I am looking into long term care insurance prior to my planned surgery. > Does anyone have any opinions about long term care and whether it is > something that should be gotten before surgery? > > Pearl > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 26, 2010 Report Share Posted December 26, 2010 Not sure but I think some folks are confusing Long Term Care Insurance (LTC) with Disability Insurance. Disability Insurance is paid went you are not able to work. Many employees offer this as a benefit. Some offer both a short term and a long term option. I worked at a large corporation that did offer both but you also HAD to apply for Social Security Disability after a few months. If SSD was awarded what you were receiving was decreased by that amount. Long-term care insurance is a type of insurance developed specifically to cover the costs of long-term care services, most of which are not covered by traditional health insurance or Medicare. These include services in your home such as assistance with Activities of Daily Living as well as care in a variety of facility and community settings. I found that once you are on disability and no longer working, most companies will not let you purchase this coverage. > > > > > > I am looking into long term care insurance prior to my planned surgery. > > Does anyone have any opinions about long term care and whether it is > > something that should be gotten before surgery? > > > > Pearl > > > > Quote Link to comment Share on other sites More sharing options...
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