ABCs of LTC

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Health costs too important to ignore

By Vikram Barhat – Senior writer, Advisor.ca
When your clients envision old age, they may think about cruise vacations, leisurely visits to a market, and generally leading a healthy life. There is something fundamentally wrong with this picture. It doesn’t make allowances for the unpredictability of life.

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LTC: Every client has a story to tell

By Nicolas Ritoux – for Advisor.ca
In today’s society, death and serious illness may be even more taboo than sex. So how can an advisor offer long term care (LTC) insurance when clients refuse to face their own frailty?

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LTC: the definitions clarified

By Nicolas Ritoux – for Advisor.ca End of life issues can be disturbing to contemplate, let alone plan for. Long life can be a mixed blessing, as advanced ageing is often marked by regression our ability to look after ourselves.

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Assessing the risk of cognitive disorders

By Hélène Michaud, Joan Tolan – for Advisor.ca
Underwriters have a one time opportunity to assess an applicant and decide if he/she is a good candidate for Long Term Care insurance.

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Claims Clinic: LTC tools, case studies

By Hélène Michaud, Denise Liston – for Advisor.ca
After several years of sales, claims under LTC policies are beginning to materialize. The role of the claims adjudicator is to educate the claimant about the policy benefits, while paying special attention to what will be required to determine whether the claimant’s limitations and restrictions meet the definition of Activity of Daily Living (ADL) dependency.

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Creating your own LTC plan

By Karen Henderson – for Advisor.ca Before you attempt to sell long-term-care (LTC) insurance, consider examining your own life and plan for your own care. This hands-on experience then provides the confidence needed to approach clients, and points out where the gaps are in your knowledge and planning process.