| How Does a LTC Policy Work? | |||
| Information about how LTC policies work | |
|---|---|
| How much coverage will I have? | A summary of the calculations used to determine your benefits. |
| Other LTC policy options you may choose. | A description of some commonly offered LTC policy options, including Waiver of Premium, Premium Refund at Death and Nonforfeiture Benefits |
| What types of LTC policies are there? | A summary of the types of LTC policies, including Individual, Joint (married) and Group Policies. |
| What happens when LTC costs rise (Inflation Protection)? | A description of Inflation Protection options that are commonly offered with LTC policies. |
| What services are covered? | A summary of the services typically covered by Long Term Care insurance, where the services are covered and when the services are covered. |
| How are benefits paid? | A description of the three methods insurance companies use to determine how benefits are paid: Expense-Incurred, Indemnity, and Disability. |
| What are the benefit triggers? | A description of the conditions that lead to payment of benefits. |
| When will I start receiving benefits ? | A description of when benefits are paid, including definition of 'Elimination Period' |
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.