J.K. Lasser's Choosing the Right Long-Term Care Insurance

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John Wiley & Sons, Jun 24, 2002 - Business & Economics - 288 pages
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A PRACTICAL GUIDE TO THE COMPLICATED ISSUE OF LONG-TERM CARE INSURANCE

"Next to buying the right long-term care insurance, buying and reading J.K. Lasser's Choosing the Right Long-Term Care Insurance is the best investment seniors and their families can make to help insure independence and dignity in their golden years."
-Scott Harshbarger, President and CEO, Common Cause

"An indispensable book for all those concerned that the cost of health care will rob their old age of dignity and independence. The author, Ben Lipson, an articulate advocate of patient rights and an authority on health insurance, provides a lucid road map in a terrain mined with hokum."
-Bernard Lown, MD, winner of the Nobel Peace Prize

"Long-term care insurance is a much-needed and valuable insurance concept, marketed in a maze filled with smoke and mirrors. Most of what passes for consumer guidance is just general information and superficial advice. But Ben Lipson's book takes you by the hand, leads you through the insurance labyrinth, and shines a much-needed light on the product."
-Charlie Sabatino, President, National Academy of Elder Law Attorneys

Critical coverage will help you:
* Decide whether you are among the 40 percent of people who do not need to buy long-term care insurance
* Receive the benefits you purchased when you have to make a claim
* Distinguish between fact and fiction during a sales pitch


J.K. Lasser--Practical Guides for All Your Financial Needs
Please visit our Web site at www.jklasser.com
 

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Contents

1 Independence for All
1
2 Alternatives to LongTerm Care Insurance Doing It Your Way
16
3 Reading the Fine Print How to Buy the Coverage You Want with the Dollars You Have
30
4 Current Tax Considerations Insurability Does Not Always Mean Deductibility
52
5 Underwriting for Physical Impairments Playing Underwriting Roulette
63
6 Underwriting for Physical Impairments Changing the Odds in Underwriting Roulette
80
7 The Cognitive Impairment Test No Lifelines Allowed
94
8 Leveling the Playing Field How to Distinguish between Fact and Fiction during the Sales Pitch
113
12 The Envelope Please The Nominees for Best LongTerm Care Insurance Soap Opera
174
13 Questions and Answers
198
14 Dos and Donts
211
15 Two Letters
214
16 Epilogue
217
Appendixes
225
Glossary
255
Index
261

9 Who Can Help You Choose the Right Policy? Finding a Seller You Can Trust
133
10 Choosing a Company Ensuring That the Company Will Be There When You Need It
149
11 Caregivers
160

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About the author (2002)

BENJAMIN LIPSON has been a consumer advocate and newspaper columnist for more than two decades. Known for his work on patient rights, senior health care issues, and long-term care insurance, he has written more than 500 articles for the Boston Globe. Lipson has been actively involved in the insurance industry for fifty years. He is the founder and President of Just for Seniors Insurance, Inc., Chestnut Hill, Massachusetts, and edits the Just for Seniors newsletter.

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