1:54 pm, May 22, 2015

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  • Aging in Place
    contrarian
    Fine, as long as the place isn't the left turn lane.
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  • Long Term Care Policy
    Moderate
    Sometime about 10 years ago I pshopped for a long term care policy for myself and my wife. I ompared the government policy with a private policy. I found that the government policy for the both of us was about $600-700 more expensuive than the private policy. And this was prior to the big price increase of the government policies. So, you can imagine what the difference in price is now.------- I read the article and the special items the government policiy has. I called my insurance person. He told me I have those same features. He also gave me the professional opinion that the company will raise my premiums, but he does not know when or how much. This is due to the actuarial tables.---------------------------Based on what I have seen I recommend that you compare aprivate company with the government before making a decision.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • "He told me I have those same features"?
    FERS Fed
    Insurance agents will TELL you anything. Ask him to tell you EXACTLY where the coverage is spelled out in your policy.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • My Agent
    Moderate
    My Agent has never steered me wrong. I am sure I asked about this when I first got the policy.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Will it be there?
    Joe
    You have to consider whether the private insurance co. will still be in business 20 or 30 years from now when you may need the coverage. Think AIG
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • None of the AIG insurance companies went bankrupt.
    ScottAOlsonLTC
    None of the AIG insurance companies went bankrupt. Insurance companies are highly regulated. Rarely does an insurance company go bankrupt. It was the unregulated “financial services division” of AIG which wrote the unregulated “credit default swaps” which caused AIG to lose hundreds of billions. What most people don’t know is that AIG has paid back most of the money that was lent to it by the federal gov’t. Where did AIG get the money? AIG has sold most of its insurance companies and used the proceeds to repay the government. AIG’s insurance companies have always been profitable and very sound financially. It was the non-insurance side of AIG which had the problems.
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  • Comparing Can Save Significant Dollars for Couples & Those In Good Health
    American Association for Long-Term Care Insurance
    The Federal long-term care insurance program is excellent coverage but as a group plan it does not offer either discounts to couple or partners -- nor discounts to those in good health. If either of those situations apply it would pay to compare with coverage available from leading, highly rated insurers. You might save a few hundred dollars annually. Jesse Slome Executive Director American Association for Long-Term Care Insurance http://www.aaltci.org/federal
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Warranties
    contrarian
    If LTC is anything like the Visa Warranty for new purchases it won't cover me when I need it.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • LTC same as life insurance
    Big Joe
    No, not the same in purpose, but the same in cost. I was able to go out on my own $2 million dollar term policy on my own that was significantly cheaper than anything I could have gotten through FEGLI. Of course, FEGLI doesn't offer policies that high, so most feds with children should have outside policies anyway. My point being, the insurance policies offered are typicially more expensive for those in good health and you will get a much better policy and a much better price by shopping elsewhere.....
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Life Insurance
    Moderate
    I had the same experience with life insurance. It was cheaper for me on the outside with the same benefits.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }