Coronavirus and LTC Insurance

Some of you may be wondering if there is an impact. Applying for LTC insurance can be a little tricky right now as some of the carriers have put an age cap of 70 or younger for applications. This has happened because normally older applicants have a face-to-face interview which some carriers and families as well consider unsafe at this time. This will change back to the normal ages of up to 79 with most carriers after COVID-19, whenever that might be.

Kimberly Lankford, a financial journalist of 25 years and formerly a financial columnist with Kiplinger’s just put together a fabulous FAQ on this topic, so I am publishing it here so my readers can see it as well.


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    • Gloria Jackson on September 19, 2020 at 9:58 pm
    • Reply

    How do I go about purchasing Long Term Care Insurance for my 88 year old mother?
    Gloria J.

    1. I’m so sorry Gloria but your mother is too old to buy LTC insurance. There is another program that she could get however. It is a discounted home care program. If she is able to do her daily living activities today, she could buy a block of hours at a discounted rate for her care. If you would like to know more about it, just complete the questionnaire on her behalf One of my amazing specialists will be glad to tell you all about it. You can also find out about how to insure yourself while you still have time. I believe with my whole heart that planning for LTC is essential for all of us!

    • betty havey on June 17, 2020 at 2:16 pm
    • Reply

    policy and pricing information please.

    1. Hi Betty – so glad you found me! All you have to do is go to this link on my website and complete the short questionnaire. That puts you in our queue to get help right away! While you are there, you will learn a lot by watching my 17-minute video on that page. Planning for long-term care is one of the most meaningful things you will ever do for yourself and your family! Phyllis Shelton

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