Topic: long term care insurance was DENIED! 1-25-07
bettyg
Unregistered
posted
ADDING 1-25-07:
my long term salesman dropped by this morning returning my check for 1st month's coverage after they had CASHED it! when i received the CANCELED check; i thought ....GOOD, I HAVE COVERAGE BUT they..
DENIED me due to:
transferring and ambulation difficulty;
balance problem...(i fell 1 yr. ago at bottom of basement stairs!);
and overall health history!
i knew i'd be super lucky IF I GOT IT! oh well, i took tutu's advise and went for it!
something for the rest of you in the EARLY, BEGINNING STAGES OF LYME where you're not crippled up bad due to decades of lyme to think about! ********************
edited to add in dec. 06:
today i got 1 estimate only for this:
Penn Treaty Netword America insur. co., Allentown, PA --
SR 400 $100/day for 3 years 120 days deductible
$70/day for 6 months .. home health care coverage
yes spouse disc. yes tax qualified
base policy annual premium $1271/yr.
NO inflation protection option ... no additional options or riders available to this lyme kid
w/disc. 10% $1,143.90 yr.
$25 1-time policy fee
it was different than the $130/day we discussed when he was here. **************************
hi lymies,
i'd like your input please IF you have bought long term care insurance, and have you benefited from having it?
we had someone come 2 days ago, and i would only be eliglble for 1 plan IF that due to my chronic lyme.
please share your thoughts with me here or by private message if you would!
i want to make a well-informed decision as both hubby/i wish to remain in our homes as long as we possibly can.
IS THERE ANYTHING YOU REGRET ABOUT BUYING THE POLICY YOU DID?
thank you so much to my wonderful, informed lymenet friends here! god bless you all!
bought long term care insurance before i goy my diagnosis.
think that makes me lucky. i stil think it is a good idea, if you can do it.
anything to help defray costs and keep you in your own surroundings.
Posts: 76 | From Kalispell, Montana | Registered: Dec 2006
| IP: Logged |
lymednva
Frequent Contributor (1K+ posts)
Member # 9098
posted
I tried to get long-term care insurance when my dx was still CFS and FM. I couldn't get it. I doubt that would change with a Chronic Lyme dx. However, if I improve significantly then I might try again.
I somehow missed it when the school system introduced it as a benefit. I may have been on leave at the time, but I still never had it offered to me. Perhaps because they figured it would cost them too much.
Guess I'll just be mooching off my kids. At least one has decided to go into a lucrative field, rather than teaching or non-profit work.
-------------------- Lymednva Posts: 2407 | From over the river and through the woods | Registered: Apr 2006
| IP: Logged |
posted
I bought long term care through the company I worked for when I was hired 7 yeast ago. The premiums were low, one of the benifits of my company - It is now paying for my med coverage due that my doc still has me as disabled
Posts: 582 | From milwaukee wi | Registered: May 2005
| IP: Logged |
The Lyme Disease Network is a non-profit organization funded by individual donations. If you would like to support the Network and the LymeNet system of Web services, please send your donations to:
The
Lyme Disease Network of New Jersey 907 Pebble Creek Court,
Pennington,
NJ08534USA http://www.lymenet.org/
UBBFriend: Email this page to someone!
![[Big Grin]](biggrin.gif)
![[Wink]](wink.gif)
![[group hug]](graemlins/grouphug.gif)
![[kiss]](graemlins/kissing.gif)
![[Frown]](frown.gif)
I doubt that would change with a Chronic Lyme dx. However, if I improve significantly then I might try again. ![[Mad]](mad.gif)
Perhaps because they figured it would cost them too much. ![[cussing]](graemlins/cussing.gif)
Printer-friendly view of this topic