Keiber Retirement Solutions, Inc.
KRS is independent of Harbor Financial Services, Inc. Member FINRA/SIPC

How Does a LTC Policy Work?



Information about how LTC policies work
A summary of the calculations used to determine your benefits.
A description of some commonly offered LTC policy options, including Waiver of Premium, Premium Refund at Death and Nonforfeiture Benefits
A summary of the types of LTC policies, including Individual, Joint (married) and Group Policies.
A description of Inflation Protection options that are commonly offered with LTC policies.
A summary of the services typically covered by Long Term Care insurance, where the services are covered and when the services are covered.
 
A description of the three methods insurance companies use to determine how benefits are paid: Expense-Incurred, Indemnity, and Disability.
A description of the conditions that lead to payment of 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 Harbor Financial. Securities offered through Harbor Financial Services, Inc. Member FINRA/SIPC

Harbor Financial advisors may only conduct business with residents of sta tes 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 Harbor Financial office for information and availability.