Re: Long Term Care Insurance

[Guest guest]

In a message dated 9/2/00 4:56:44 PM, lanate@... writes:

<< I pay about $800 a year. >>

Depending on the coverage and your age, it sounds like a remarkable deal.

I suggest you never let anyone talk you into " upgrading. " That usually means

less coverage for more expense. I've seen it happen to people too often.

Kat

[Guest guest]

-----Original Message-----

From: Gretchen Glick <liliwigg@...>

<egroups>

Date: Friday, September 01, 2000 6:24 PM

Subject: [] Long Term Care Insurance

>

>Has anyone looked into Long Term Care Insurance? Reason I ask is today I

>met with my insurance agent to go over ALL my policies, from car to

>health, etc.(I do this annually) She talked to me alot about LTCI and

>said since I'm still young (!) rates would lock in lower. So then I

>asked 'what about my CMT'? She gets on the phone to an underwriter, who

>yes (!) had not only heard of it but was familiar with it. Now that's

>the good news! However, apparently for CMT, one can only get LTCI for

>ones feet! I mean, if the disease progresses in my arms and hands and

>anyplace else, I'm not covered! Kind of wierd, huh? Just wondering if

>any other 'boomers' on this list have got to the LTCI issue in their

>lives and what you're doing about it.

>

>Gretchen

>

Gretchen are you sure they didn't misunderstand and are thinking of Charcots

foot? Seems like that would explain the foot only part. ~>Becky M.

[Guest guest]

> Has anyone looked into Long Term Care Insurance? Reason I ask is

today I

> met with my insurance agent to go over ALL my policies, from car to

> health, etc.(I do this annually) She talked to me alot about LTCI

and

> said since I'm still young (!) rates would lock in lower. So then I

> asked 'what about my CMT'? She gets on the phone to an underwriter,

who

> yes (!) had not only heard of it but was familiar with it. Now

that's

> the good news! However, apparently for CMT, one can only get LTCI

for

> ones feet! I mean, if the disease progresses in my arms and hands

and

> anyplace else, I'm not covered! Kind of wierd, huh? Just wondering

if

> any other 'boomers' on this list have got to the LTCI issue in their

> lives and what you're doing about it.

>

> Gretchen

Dear Gretchen

I have CMT and obtained Long Term Care Insurance with the

California Public Employees Insurance a few years back. It was

during an initial open enrollment in which they excepted anybody who

wanted to enroll in the program. I did not have to answer health

questions or take a physical. I pay about $800 a year. My husband is

covered through me and pays more because he is older than I.

[Guest guest]

Gretchen and all. LTC Insurance is a product that I handle, I have not

thought about CMTR'S being eligible for LTC Insurance. I will look into it

within the next few days and see what is available and how difficult it is

for us to be able to have this coverage. I will get back with all on it

within the next 3 to 5 days. Please allow me that time as there is quite a

lot of underwriting with this product. jr luv u all. have a good weekend

Do not stick your neck out until I get back to you all,

[Guest guest]

Gretchen:

As a insurance agent, what companies did you check with? I would like to have

an idea for my own personal info. You can e-mail at our office e-mail if you so

desire, if you would rather not mention the names on this cite. Our office mail

is:

aavantis@...

Thank you

Jane

----- Original Message -----

From: Gretchen Glick

Sent: Thursday, February 01, 2001 2:06 PM

Subject: [] Long Term Care Insurance

Hey ,

I was looking into LTCI and my agent said I WOULD qualify. Even with

CMT. It sounded too fishy. She was too pushy, the sales pitch with

'lower rates' and all that jazz. I said I needed time to think and

compare. I checked into a few others and found out my CMT related

problems would NOT be covered. Like if I needed help because I had a

normal heart attack, that would be covered, but if I needed help because

my feet wore out and I couldn't walk, that wouldn't be covered. My

advise, shop around, watch out for pushy sales agents. Spend time

reading the fine print.

~ Gretchen