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|Posted: Thu Nov 08, 2018 7:27 pm Post subject: r a 5 year benefit p
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Lengthy and Skinny LTC Policies”.
That is proper — Brief and Fat LTC policies! So what is a benefit period anyway?
The benefit period is the quantity of years that Once you go on claim (need support in bathing and dressing or have some cognitive impairment (Alzheimer’s or comparable ailment) that the insurance business will pay the everyday or monthly benefit that you chose when you applied for the policy.
So if you purchased a benefit period of say 5 years, when you qualified for rewards, and satisfied the deductible (how numerous days of care that you require to pay out of pocket) Uomo Adidas Deerupt Runner W Triple Bianche Scontate , the insurance business will pay those advantages for a maximum of 5 years in this case.
The benefit period, whether or not a set number of years, say 6 years for example or unlimited years are the MAXIMUM quantity of time, if you utilized your FULL chosen everyday or monthly benefit that your policy would pay on a claim.
If you had Alzheimer’s for 9 years Uomo Adidas NMD CS2 Nere Scontate , the policy advantages would have been exhausted following those 5 years and you would be paying for the last 4 years from your own cash.
Most insurance firms have a quantity of benefit periods to pick from. Usually they are two, three, 4, five Uomo Pharrell Williams x Adidas Tennis HU Multicolor Scontate , 6, 7, or ten years OR an Unlimited benefit period (say you went on claim for 35 years due to becoming in a wheelchair or some thing).
Most LTC policies have at least four or five diverse positive aspects periods from the above choices which you can pick from for your policy.
The benefit period, whether a set quantity of years Uomo Adidas Prophere Climacool Nere Rosse Scontate , say 4 years for example or unlimited years are the MAXIMUM amount of time, if you employed your FULL selected every day or monthly benefit that your policy would pay on a claim.
Now for the “Short and Fat” portion…
Lengthy ago there wasn’t too much distinction in the premium rates for a 5 year benefit period compared to an Unlimited policy. So since there wasn’t much of a price distinction, a lot of clients chose the Unlimited benefit to protect against a Massive potential disaster of needing support in bathingdressing, etc. for DECADES — not just a couple of years.
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