LONG TERM CARE POLICY CHECKLIST
Before you begin shopping, you should find out how much nursing home or home health care costs in your area today. If you needed care right away could you find it locally or would you have to go to another, potentially more expensive area? Once you've done some research, you can use the following checklist to help you compare policies you may be considering.
1. What services are covered?
Nursing Home Care Home Health Care Assisted Living Facility
Adult Daycare Alternate Care Respite Care Other
2. How much does the policy pay per day for nursing home care? For home health care? For an assisted living facility? For adult daycare? For alternate care? For respite Care? Other? Notes:
3. How long will benefits last in a nursing home? At home? In an assisted living facility? Other? Notes:
4. Does the policy have a maximum lifetime benefit? If so, what is it for nursing home care? For home health care? For an assisted living facility? Other? Notes:
5. Does the policy have a maximum length of coverage for each period of confinement? If so, what is it for nursing home care? For home health care? For an assisted living facility? Notes:
6. How long must I wait before preexisting conditions are covered? Notes:
7. How many days must I wait before benefits begin for nursing home care? For home health care? For an assisted living facility? Other? Notes:
8. Are Alzheimer's disease and other organic mental and nervous disorders covered? Notes:
9. Does this policy require: An assessment of activities of daily living? An assessment of cognitive impairment? Physician certification of need? A prior hospital stay for nursing home care? Home health care? A prior nursing home stay for home health care coverage? Other? Notes:
10. Is the policy guaranteed renewable? Notes:
11. What is the age range for enrollment? Notes:
12. Is there a waiver-of-premium provision for nursing home care? For home health care? Notes:
13. How long must I be confined before premiums are waived? Notes:
14. Does the policy have a nonforfeiture benefit? Notes:
15. Does the policy offer an inflation adjustment feature? If so, what is the rate of increase? How often is it applied? For how long? Is there an additional cost? Notes:
16. What does the policy cost?
- Per Year?
  • With inflation feature
  • Without inflation feature
  • With nonforfeiture feature
  • Without nonforfeiture feature

- Per Month?

  • With inflation feature
  • Without inflation feature
  • With nonforfeiture feature
  • Without nonforfeiture feature
Notes:
17. Is there a 30-day free look? Notes:
     
 
Nathan W. Kamo

Phone 702-326-9056
Fax 702-974-0930