Amazines Free Article Archive
www.amazines.com - Saturday, November 26, 2022
Read about the most recent changes and happenings at Amazines.com
Log into your account or register as a new author. Start submitting your articles right now!
Search our database for articles.
Subscribe to receive articles emailed straight to your email account. You may choose multiple categories.
View our newest articles submitted by our authors.
View our most top rated articles rated by our visitors.
* Please note that this is NOT the ARTICLE manager
Add a new EZINE, or manage your EZINE submission.
Add fresh, free web content to your site such as newest articles, web tools, and quotes with a single piece of code!
Home What's New? Submit/Manage Articles Latest Posts Top Rated Article Search
Google
Subscriptions Manage Ezines
CATEGORIES
 Article Archive
 Advertising (133534)
 Advice (161587)
 Affiliate Programs (34788)
 Art and Culture (73843)
 Automotive (145688)
 Blogs (75481)
 Boating (9851)
 Books (17221)
 Buddhism (4129)
 Business (1330225)
 Business News (426438)
 Business Opportunities (366494)
 Camping (10971)
 Career (72786)
 Christianity (15846)
 Collecting (11639)
 Communication (115082)
 Computers (241935)
 Construction (38959)
 Consumer (49948)
 Cooking (17079)
 Copywriting (6732)
 Crafts (18205)
 Cuisine (7549)
 Current Affairs (20308)
 Dating (45903)
 EBooks (19702)
 E-Commerce (48250)
 Education (185418)
 Electronics (83519)
 Email (6439)
 Entertainment (159838)
 Environment (28927)
 Ezine (3040)
 Ezine Publishing (5452)
 Ezine Sites (1550)
 Family & Parenting (110951)
 Fashion & Cosmetics (196563)
 Female Entrepreneurs (11852)
 Feng Shui (133)
 Finance & Investment (310578)
 Fitness (106443)
 Food & Beverages (63015)
 Free Web Resources (7939)
 Gambling (30227)
 Gardening (25194)
 Government (10513)
 Health (629958)
 Hinduism (2206)
 Hobbies (44080)
 Home Business (91593)
 Home Improvement (251164)
 Home Repair (46221)
 Humor (4718)
 Import - Export (5456)
 Insurance (45104)
 Interior Design (29600)
 International Property (3488)
 Internet (191021)
 Internet Marketing (146681)
 Investment (22859)
 Islam (1161)
 Judaism (1352)
 Law (80464)
 Link Popularity (4596)
 Manufacturing (20905)
 Marketing (99288)
 MLM (14140)
 Motivation (18233)
 Music (26999)
 New to the Internet (9497)
 Non-Profit Organizations (4048)
 Online Shopping (129730)
 Organizing (7810)
 Party Ideas (11854)
 Pets (38098)
 Poetry (2229)
 Press Release (12687)
 Public Speaking (5641)
 Publishing (7565)
 Quotes (2407)
 Real Estate (126628)
 Recreation & Leisure (95468)
 Relationships (87654)
 Research (16181)
 Sales (80347)
 Science & Technology (110283)
 Search Engines (23509)
 Self Improvement (153286)
 Seniors (6218)
 Sexuality (35999)
 Small Business (49294)
 Software (83019)
 Spiritual (23485)
 Sports (116152)
 Tax (7662)
 Telecommuting (34073)
 Travel & Tourism (308206)
 UK Property Investment (3122)
 Video Games (13382)
 Web Traffic (11773)
 Website Design (56909)
 Website Promotion (36643)
 World News (1000+)
 Writing (35840)
Author Spotlight
NOEL IRELAND

You will feel a different sort of happiness as you associate yourself with any animal, you will be a...more
JIM TURNER

Jim Turner is a USA based author of Legal issues related to estate planning, will & trust , business...more
MANMOHAN SINGH

Digital marketing professional with 8 years of experience. A good listner, Stratgist and fun loving ...more
GRAEME DIXON

About Octopus Intelligence We provide greater certainty with excellent global Commercial Compe...more
ALEN OWEN

I am an essay writer with vast experience in data analysis, PowerPoint writing and research paper ed...more


Long Term Care Quotes and Special Discounts by Wanda Ford





Article Author Biography
Long Term Care Quotes and Special Discounts by
Article Posted: 03/06/2012
Article Views: 28
Articles Written: 45
Word Count: 508
Article Votes: 0
AddThis Social Bookmark Button

Long Term Care Quotes and Special Discounts


 
Insurance
It is true that you should be able to determine exactly what you expect from your long term care insurance (LTCI) policy before requesting long term care quotes. But if you want to save money on your premium, you’ll check out the other facets of a potential policy.

You may be able to cut back on your annual premium if you go for a small maximum benefit amount but the problem is that you might turn out underinsured. You can opt for a very short benefit period but in the event that you acquire an illness that will progress over time and require increased levels of care, this could result in huge out-of-pocket expenses. You can also choose a 180-day elimination period but if you have limited resources you might never get around to satisfying this aspect of your policy and thus you won’t qualify for your benefits.

While it’s good to focus on the variables of your policy, it also helps to look at other factors outside of it that offer great premium savings. Pay attention to the various discount rates offered by LTCI carriers.

Given the fact that LTCI policies are expensive, you have to find ways to cut back on your annual premium. Just because other policyholders reduced their maximum benefit amount, shortened their benefit period, and extended their waiting period it does not mean you have to do the same.

Factors to Take Into Account When Comparing Long Term Care Quotes

Most people just take into account their possible long term care (LTC) needs, the cost of care in their area, and the rate of inflation when comparing their LTCI quotes.

Some of them are so busy reducing their maximum benefit amount, benefit period and the other components of a potential policy seemingly forgetting that the main purpose of buying an LTCI policy is to avoid large out-of-pocket expenses.

You don’t have to sacrifice your coverage in exchange for a lower premium because you can obtain huge savings from the special discounts which most LTCI companies offer.

For instance, the good health discount can be availed by young individuals with excellent health condition. So if you do not have a pre-existing condition or you don’t manifest symptoms of any debilitating disease at the time you applied for an LTCI policy, you have big chances of acquiring up to 10% good health discount.

Aside from healthy individuals, couples can also have the privilege to enjoy partner or spousal discounts. It’s not only married individuals who can qualify for this type of LTCI discount because gay and lesbian partners, and even siblings can avail up to 40% discount on their LTCI premiums. For as long as same-sex partners have a civil union certificate and they can prove that they are or have been living together, sharing domestic chores and living expenses they can qualify for the spousal LTCI discount.

Ask the LTCI agent who’s helping you gather long term care quotes how else you can reduce your premium without compromising your coverage.

Related Articles - long, term, care, quotes,

Email this Article to a Friend!

Receive Articles like this one direct to your email box!
Subscribe for free today!

 Rate This Article  
Completely useless, should be removed from directory.
Minimal useful information.
Decent and informative.
Great article, very informative and helpful.
A 'Must Read'.

 

Do you Agree or Disagree? Have a Comment? POST IT!

 Reader Opinions 
Submit your comments and they will be posted here.
Make this comment or to the Author only:
Name:
Email:
*Your email will NOT be posted. This is for administrative purposes only.
Comments: *Your Comments WILL be posted to the AUTHOR ONLY if you select PRIVATE and to this PUBLIC PAGE if you select PUBLIC, so write accordingly.
 
Please enter the code in the image:



 Author Login 
LOGIN
Register for Author Account

 

Advertiser Login

 

ADVERTISE HERE NOW!
   Limited Time $60 Offer!
   90  Days-1.5 Million Views  

 

Great Paranormal Romance


MAX LIEW

I have a passion for graphics, photography, and website design. I worked as a graphic designer for a...more
TIM FAY

After 60-plus years of living, I am just trying to pass down some of the information that I have lea...more
WILLIAM BUCHANAN

William Buchanan has worked in the fields of marketing, advertising, and marketing research for almo...more
GENE MYERS

Author of four books and two screenplays; frequent magazine contributor. I have four other books "in...more
LAURA JEEVES

At LeadGenerators, we specialise in content-led Online Marketing Strategies for our clients in the t...more
SUSAN FRIESEN

Susan Friesen, founder of the award-winning web development and digital marketing firm eVision Media...more
STEPHEN BYE

Steve Bye is currently a fiction writer, who published his first novel, ‘Looking Forward Through the...more
ADRIAN JOELE

I have been involved in nutrition and weight management for over 12 years and I like to share my kn...more
ALEX BELSEY

I am the editor of QUAY Magazine, a B2B publication based in the South West of the UK. I am also the...more
STEVERT MCKENZIE

Stevert Mckenzie, Travel Enthusiast. ...more

HomeLinksAbout UsContact UsTerms of UsePrivacy PolicyFAQResources
Copyright © 2022, All rights reserved.
Some pages may contain portions of text relating to certain topics obtained from wikipedia.org under the GNU FDL license