Thanks Cal, Elizabeth, and Ed -- I appreciate the responses. I'm going to
do some more research. I'll be sure to post back with any new info.

Thanks again!



--
Michael Loll

New York State has a program called NY State Partnership
for Long Term Care. If you do not live in NY, you can not
get it. But, there is lots of great info about Long Term Care
insurance at the web site.
http://www.nyspltc.org/

--
------------------------ Ed J edj22 at attglobal dot net
Do not reply to default 'reply' address. Change to above address minus the
blanks.
------------------------
"Mike" <michaelloll[at]nospam.hotmail.com> wrote in message
news:Xns95A5E24E6B0FBMikeLollXNewsID2004[at]199.45.49.11...
- quote -

- quote -


A couple of years ago my husband and I purchased a joint policy, with
survivor benefits. I have been told this option of the survivor benefits is
very unusual, but it was the clause that sold the contract. In essence, it
will pay a monthly sum for either one or both of us, depending on our needs.
The premium is quite reasonable. If you are interested in contacting the
agent from whom I bought the policy, who is licensed to practice in all 50
states, feel free to e-mail me. I tried posting his address once, but my
post was refused, and I am assuming it is still the case. (In this regard, I
find it interesting that so many links are accepted for posting, including
those in which business is solicited, but this link was refused.)

Elizabeth Richardson

Mike wrote:
- quote -


Excellent idea ! ! ! !

- quote -

You have allready started.


- quote -


An excellent company, not neccessarily the best deal in town

- quote -

Yes, you can "buy" it for them, although THEY must complete the application.
The writing agent must SEE the applicants, and the Carrier may require a
medical or paramedic exam. In any event, they WILL contact your parents
doctors etc.
You can be the "OWNER" and Premium Payor for the policy/policies.

Now, as what to buy ! ! ! ! LTC is primarily a contract that will provide DOLLARS
at a specific point in time, under specific conditions. There are two types of people
who do NOT need LTC. People who are very rich, and have sufficient resources to cover
all of their needs, and people who have very little money, as "uncle sugar" will take care
of their needs via MEDICAID...........
Middle class people do need LTC, to make sure that they have sufficient resources to
take car of their needs.

LTC comes in three (3) basic flavors: (a) Nursing Home Care (b) Home Care and
(c) Comprehensive care that covers all LTC needs. Of course, the costs are commensurate
with the benefits that will be available. There are many factors that will determine the type of
coverage your folks will need: Longevity - family medical history - personal medical history -
desire for peace of mind & protection - and last but not least, FINANCE....

If you would care for any specifics, feel free to contact me at:
cal-lester[at]comcast.net

Kalman J. Lester CLU

I'm interested in looking into purchasing long term care insurance for both
of my parents.

Unfortunately, I have no clue where to start! My only experience with
insurance, aside from car insurance and some small policies provided by my
employer, is a small policy my parents bought for me when I was a child
from Prudential. I do not have any other life insurance, but I don't think
I need any (no dependents, no debt, etc). My Prudential policy will cover
my burial. But this isn't about me.

Anyhow, where to start? What are the best companies? I mention Prudential
only because I am slightly (very slightly) familiar with them. Any advice?

Can I even buy LTC insurance for my parents? Or do they need to buy it
themselves?

Any help is appreciated!


--
Michael Loll