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White Papers

White Paper: Unlocking Hidden Benefits in Long-Term Care Insurance Policies

By Wiktoria Gnojek

Long-term care insurance is a critical component in managing the healthcare needs and financial security of aging populations. However, many policyholders are not fully aware of all the benefits their policies provide, potentially missing out on valuable coverage that could ease financial burdens and enhance their care. This white paper explores commonly overlooked benefits within long-term care insurance policies, outlines the importance of understanding these benefits, and provides recommendations for consumers and policymakers to ensure that these benefits are fully utilized. 

What’s Included

  1. Introduction
  2. Commonly Overlooked Benefits 
    1. Inflation Protection Riders 
    2. Case Management Reimbursement 
    3. Medical Durable Equipment Reimbursement 
    4. Home Alteration Reimbursement 
    5. Waiver of Premium 
    6. Bed Reservation Benefits 
    7. Shared Care Policies 
    8. Caregiver Training 
    9. Homemaker Benefits 
  3. Conclusion
  4. Additional Resources

With over seven years of experience, our in-house long-term care insurance expert can handle all the filing necessary for our clients to receive their maximum benefit. We will take over the administrative aspects of each claim, allowing families to focus on their loved ones. 

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