Keiber Retirement Solutions, Inc.
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
This site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced herein. These are the views of Associates of Clifton Parks, Long-Term Care specialists, and not necessarily those of the named representative, Broker-Dealer or Investment Advisor, and should not be construed as investment advice.
Insurance products are offered through insurance companies with whom KRS associates 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.
Securities and advisory services are offered through Level Four Financial, LLC, Member FINRA/SIPC. Keiber Retirement Solutions, Inc. is not owned or operated by Level Four Financial, LLC. Nor is Associates of Clifton Parks affiliated with Level Four Financial, LLC.
Level Four Financial, LLC 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.