|What Services are Covered?|
First ... It is very important to understand what services may be covered under long-term care policies. Second ... determine which services are the most important to you. Then ... make sure the policy you choose has those services.
What Services Are Covered? The answer to this question is determined by the carrier and product you choose. Familiarize yourself with what is available so you can ask the right questions.
Where Services Are Covered! Knowing this is extremely important at the time of care. You should know what types of facilities are covered by your long-term care policy. If you're not in the right facility, the insurance company can refuse to pay for eligible services.
What Services Are Not Covered? Most long-term care insurance policies usually do not pay benefits for:
At Any Time During The LTC Sales Process:
At The Time of Application:
After Issuance of The
Disclaimer: Insurance products are
offered through insurance companies with which we have sales
arrangements. Not all products/features may be available in your
state. Check with your Accountant or Tax professional on the tax
issues associated with Long-Term Care insurance purchase and
benefits. Associates of Clifton Park are not a part of Raymond James
& Associates. Securities offered through Raymond James & Associates, Inc. Member FINRA/SIPC
Raymond James financial advisors may only conduct business with residents of states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are addressed on this site. Contact your local Raymond James office for information and availability.