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Q&A: Long-Term Care Insurance
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My spouse and I purchased a long-term care policy a few years ago when we were both in our 50s. We are now both in our mid-60s, in pretty good health, and have paid premiums religiously. However, we recently did some research and have learned that the company we purchased from does not have a good reputation for paying clams or keeping track of records. Apparently, the company often requires that records be sent repeatedly while the company delays reimbursement of expenses. If/when the time comes that we need to file for benefits or a claim, should we involve an attorney in the initial claim, e.g., have the attorney forward our claims to the insurer? Would it provide any greater likelihood that we wouldn't get the run-around that so many other policyholders seem to have encountered?
My mother just turned 60, and in trying to be prepared for her future I discovered long-term care insurance. Can I buy this insurance for my mother since she cannot pay for it herself? Should I buy this product in the state where she is living or in my state? She has no income, no insurance, no savings and no assets. Oh yeah, and she doesn't drive and she has fibromyalgia, and she was just turned down for disability.