Putting A Plan In Place
We know putting a long-term care insurance plan in place can be confusing but it doesn’t have to be. As independent certified long-term care planning specialists, we have more choices and our extensive training and product knowledge means we can help you find the best plan for your situation. Our experience has also taught us that all companies are not created equal. We’ll show you which companies are the top-rated and which ones you might want to stay away from. But the best part about our process is that you get to choose. Unlike other companies that work with only one or two plans, we work with nearly all the providers and our allegiance is with you, the client. Here are the basic steps and process you go through to get your custom long-term care plan in place:


1. We Start With Education.

c5a83c_3eb29be08e8b49ab9a4ea94a135cedc1There is a lot of misinformation out there surrounding long-term care insurance planning. That is why we start with education through our Radio Show, Classes and Webinars. Listening to our podcasts and attending our classes or webinars is the best way to get the information you need to make an informed decision about the plan that will fit best for your needs. We teach you what long-term care plans cover, how to trigger them, where they cover care and more importantly, we teach you the different types of plans and how we can design a plan specifically for you and your family’s individual needs.



2. We Start With A PreScreen and Discuss your Situation

c5a83c_cc2a4e1e3be046e998001ea4f6a393abA PreScreen form is required to move forward in the process as this will allow us to know which plans you will qualify for with your age and health. In discussing your health information with us prior to discussing a plan, we can ensure that we know which plans you should qualify for and what the underwriting process will look like for you. Next, we will set up a time for a phone call. We will discuss the pros and cons of the different types of plans and try to narrow the choices to those plans that best fit with your financial situation and your future goals. We help you design the plan(s) that meet the criteria you laid out for us. The important thing to remember is, this is your plan. You are the one choosing your benefit and the best way to pay for your plan. We are just here to help guide you in funding and designing it in the most efficient way.



3. The Application Process

c5a83c_d2395747c4b34696b5bccd23a4edc14fThe application process can usually be done over the phone. Our case manager will complete the application and send it to you for your review and signature. Once we have the application back, we will submit it directly to the underwriter and begin the underwriting process. The underwriting process greatly depends on your age, health and the type of program we are using. Again, this is why that PreScreen is so important, so we can prepare you for what to expect during the underwriting process. Many companies require only a phone interview to be completed with the client while others will request additional medical records from your doctor and may require a face to face interview. The entire process from application can take as little as a couple of weeks but sometimes up to a few months. The longer time frames usually involve issues with getting the complete medical information requested by the underwriters. Rest assured, our team is well aware of what needs to be done and will be working diligently behind the scene to smooth out the process and move things along as efficiently as possible. Once the medical review is complete, the policy is funded and delivered to us, we will deliver it directly to you.

After Your Plan Is In Place

We don’t disappear. We are your agent of record and are here for policy support, answering questions and even helping get claims filed.

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