Product Detail

The National Association of Insurance Commissioners (NAIC) plays an important role in developing uniform standards* and has established a specific definition of long-term care insurance.

             *which states may adopt – Ohio has.

Summary

· LTCi is mostly about HOME CARE!

· Triggers are based on not being able to do 2 out of the 6 Activities of Daily Living for at least 90 days...

· OR Cognitive Ability

“Severe Cognitive Impairment” means a deterioration or loss in intellectual capacity that is measured by clinical evidence and standardized tests which reliably measure impairment in:

                 > Short and long term memory

                 > Orientation to people

                 > Deductive or abstract reasoning

 

<>Such deterioration or loss must place the Insured in jeopardy of harming himself, herself or others, therefore requiring substantial supervision by another person. Alzheimer’s Disease is a form of cognitive impairment.

 

 

Common among all plans:

 

· Triggers for plan to start

· Home Care Services

· Skilled Care Services (Confined Care)

· Benefits Amounts

· Elimination Periods

· Inflation Protection Options

· Provisions, Exclusions and other features

· Other Policy Provisions

What to look for in all policies...

To contact us:

Phone: 513 703-4837

Daytime office @ SpringDot: 513 542-4000

Fax: 513 542-4741

E-mail: equity@cinci.rr.com

www.EQUITYinsOH.com

Common Factors

              “Ensure Independence”

Also— look at the Partnership Program!

    http://www.longtermcareohio.com/

    Protect your estate from spend downs by use of LTCi. 

Equity Insurance of Ohio, LLC