Perspectives on Long Term Care Insurance from a 31 year old guy….
What do you envision when you think of a 31 year old guy? Prime of life? Hiking? Camping? Starting a family? Planning for a possible long term care need? Yes. Maybe. Maybe. Maybe. Probably not. I recently had the opportunity to talk with a young man who had...What the heck is a “90 day certification” in a long term care policy?
A frequent area of confusion when purchasing a long term care policy and at the time that a person is filing a claim is the required 90 day certification. First, some history. This certification requirement is not found in policies issued before 1997. This language...How do I know the Insurance Company will be around when I need it?
The question about whether a company will be around in the future is a concern about the financial stability of the insurance company. Not surprisingly, questions like this have increased since the financial chaos that started around 2008. Sometimes these questions...Is Long Term Care Insurance A Waste of Money?
Is your auto insurance a waste of money? Is your home-owners policy a waste of money? Is your health insurance a waste of money? Your answer to each of these questions may vary on any given day. If you’ve never had a claim on your auto insurance you may very well...Riders! What are they and do you want them?
No, a “rider” is not some hot guy sitting on his Harley. At least not in the insurance world. In the insurance context, a rider is something that is added to an insurance policy to “soup up” the policy. I want to share with you the riders that in my opinion are worth...
Testimonials
For several years before my 60th birthday my financial adviser encouraged me to speak with Betty Doll regarding my long term care insurance. One would think with my health care provider experience of 40 years I would have not needed the reminder. Read More
I came to Betty after two unsuccessful attempts at obtaining a LTC policy. Betty knew right away what to do and explained a particular type of policy I was unaware of. She described the type, explained its components, and outlined the variety of options regarding the amount of coverage in clear and concise language. Needless to say, her expertise was key for me in realizing I did have a chance at obtaining a policy and today I am covered. Equally important to Betty’s knowledge, however, is Do…
Before meeting Betty Doll, we had talked to 2 or 3 agents in other states, about long term care insurance. In each case, we decided against going forward. When we met Betty, she recommended a policy type that met our particular needs. Read More
I worked with Betty about nine years ago to find the right long term care insurance for my situation. She is very knowledgeable and made the process very easy. It gives me peace of mind to know I’ll have some choices when I need care. Read More
Betty Doll and Dawn of Doll & Associates long-term care insurance services were invaluable in helping my husband and I select long-term care insurance and life insurance. As a couple in our mid-30s looking to start a family and make smart choices about ensuring our future, Betty was able to help us find a policy that made sense for us and was affordable. She was great at explaining the ins and the outs of the policy we chose and helping us understand why these policies might be right for us, a…
When I reached the age of 65, it became important to me that I take a long, hard look at my future financial needs. My accountant urged me to make an appointment with Betty Doll to discuss long term care insurance. Working with Betty put my mind at ease in so many ways. Read More
Ten years ago we purchased a Long Term Care Policy. We wanted a review that would assure us that the policy was still relevant. Betty did a detailed analysis and her insightful perspective was invaluable for our future financial planning. – Dave Castel
Betty, I want to thank you for helping me navigate the Long Term Care Policy options. I found you quite knowledgeable on all aspects of the options. What I found most refreshing was that you explored my needs and gently led me to what,I feel, is the best solution for me based on my life situations. Read More