Disability Income • Critical Illness Insurance • Long Term Care • Life Insurance

LTCi DISCLAIMERS & NOTES:
The above is by no means an exhaustive study of Tax-Qualified LTCi generally, nor of Traditional Stand-alone LTCi and Hybrid life/ LTCi Rider policies specifically. Nor is the above meant to depict any specific carrier or plan design, as no two designs are exactly alike. Carriers and plan designs change frequently and only a current LTCi illustration can more accurately depict current product offerings. The above is being provided for informational purposes only.

LTCi is still a relatively young and rapidly evolving market, with LTC insurers entering and exiting this marketplace. Along with variations of existing plan designs, we continually see new and innovative designs brought to market. The complexity of these designs requires a clear understanding of how they operate and is crucial in determining which is the best approach for your unique situation. Therefore, it is important for clients to carefully research and understand this market, assuring that, prior to purchasing LTCi, they've affirmed the availability of all desired benefits and features, which is not limited to those mentioned above.

Irrespective of the type of LTCi purchased, it is important to read and understand the policy exclusions, limitations and conditions. This also applies to policies in a LTC Partnership Plans.

Benefit options and plan designs may not be available in all states. Policy features may be named differently depending on the state. Exclusions and limitations apply. Premiums and benefits vary based upon plan selected. Tax laws change.

This material is provided for informational purposes only and should not to be construed as tax or legal advice. As an insurance representative, I am not authorized to, nor do I give, tax or legal advice. Therefore, nothing contained herein should be construed as tax or legal advice.

Clients and other interested parties must consult with and rely solely upon their own independent advisors regarding their particular tax and legal situations and the concepts presented here.



LONG TERM CARE MENU
Long Term Care Insurance
Long Term Care National Average Costs
Tax-Qualified "Stand-alone" Long Term Care Insurance
Hybrid Life/Long Term Care Rider Combinations
Plan Design Considerations
Elimination (Waiting) Period
Long Term Care insurance Partnership
Long Term Care Insurance in the Workplace
Paying for Care - Insuring the Risk
Paying for Care - Selling Your Life Policy
Paying for Care - Government and Personal Sources
State Filial Responsibility Laws
Long Term Care Insurance Disclaimers and Notes

There is no fee for my services

Paul SuPrise, CLU, LTCP
770 Nuangola Road • Mountain Top, PA 18707-9507
570-868-6871 • Fax 570-868-6872
paul@sickpayplans.com
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