Long Term Care Insurance is one of the most widely discussed and volatile markets in the country.
With changing companies, stricter underwriting guidelines, new gender specific rates and numerous and substantial rate increases, the LTC market requires careful review on the part of the consumer.
Physician Benefits of America has contracted with every major carrier to ensure complete comparisons for the consumer.
- New! $500,000 lump sum benefit for home health care and/or nursing home care
- One of the most troubling concerns in this market is not how a healthy 60 year old will be able to address his or her needs. A far greater concern is for those people who may not be able to qualify through conventional channels.
- Physician Benefits of America has assembled a package of benefits that may be available to many people who have been declined by the major carriers.
- In many states, we can offer near guaranteed issue home health care plans which offer full coverage for Alzheimer’s and dementia.
- We also may be able to help with “condition specific” exclusions which again, will provide full coverage for Alzheimer’s and dementia.
- If you or your loved ones have been declined for Long Term Care insurance, we may be able to help.