Keiber Retirement Solutions, Inc.

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: 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 Harbor Financial Services, LLC, Member FINRA/SIPC. Keiber Retirement Solutions, Inc. is not owned or operated by Harbor Financial Services, LLC. Nor is Associates of Clifton Parks affiliated with Harbor Financial Services, LLC.

Harbor Financial Services, 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.