[Nfbc-info] Long term care insurance

Sun Jan 25 01:33:51 UTC 2009

Bryan,

I agree, but the same issue often arises.  We bought long term health
insurance for Karen's parents more than 10 years ago.  We had to invoke it
for her dad some five years ago.  He passed away in 2007.  We couldn't have
gotten along without it.

Karen's mom now is in her 90 day waiting period before her benefits kick in
even though she has had the policy for ten years.

I have heard that some have been denied due to blindness.  My comments were
directed to that issue since problems have occurred with long term health
care.

Michael Hingson,
 NSA   
President,
The Michael Hingson Group
84 Bahama Reef
Novato, CA 94949
Phone Direct number (415) 827-4084
Fax number (415) 883-6220
Mobile/Pager (888) 965-9191
Email 
info at michaelhingson.com
 <
mailto:
info at michaelhingson.com>
For information on Michael's speaking topics, his availability, and his
consulting services on Diversity and Access Technology for blind persons
please
visit <
http://www.michaelhingson.com>
For information on Guide Dogs for the Blind please visit <
http://www.guidedogs.com>

-----Original Message-----
From: nfbc-info-bounces at nfbnet.org [mailto:nfbc-info-bounces at nfbnet.org] On
Behalf Of Bryan Bashin
Sent: Saturday, January 24, 2009 5:04 PM
To: NFB of California List
Subject: Re: [Nfbc-info] Long term care insurance

Mike,

You're right about this.  But Mary's original question was not about health
insurance but rather long term care insurance.  Not only was my quoted rate
based on simple actuarial issues (not blindness at
all) but should I need to use the long term care benefit I can use them the
way I want, at home with providers of my own choosing.  In my experience the
real problem in acquiring long term care insurance is that people don't buy
it early enough and wait until it is very expensive late in life.

Consumer Reports did an analysis of long term care insurance sometime within
the last year.

At 12:44 PM 1/24/2009, you wrote:
>What of the N A I C model law/regulations that stipulated that blindness
>per se must not be used as a trigger for differential rate structures or
>determination of eligibility. This was back in 1984 or 1985. Now if the
>blindness is due to an underlying condition such as diabetes, all bets
>are off but other laws may cover you under that situation.
>
>In Washington (state), it's pretty-much iron-clad that blindness cannot
>be used.
>
>Mike
>
>----- Original Message -----
>From: <ckrugman at sbcglobal.net>
>To: "NFB of California List" <nfbc-info at nfbnet.org>
>Sent: Saturday, January 24, 2009 11:35 AM
>Subject: Re: [Nfbc-info] Long term care insurance
>
>
>The blindness issue can be a very definite issue when it comes to
>individual
>health insurance. Many insurance will exclude blind people as they
>consider
>it a pre-existing condition. When it comes to private health insurance
>there
>is nothing that requires insurance to consider coverage for pre-existing
>disabilities even when they may not cause a health risk such as much of
>the
>congenital blindness that never changes. This is what happens when
>results
>of deregulation exists and industries are allowed to set their own
>standards. For a short time I went through training to sell insurance
>and
>this came up. I only stayed with the job for a few months for various
>reasons that I won't go in to here although I had a very accommodating
>employer.
>Chuck
>----- Original Message -----
>From: "Ken Volonte" <kenvolonte at comcast.net>
>To: "NFB of California List" <nfbc-info at nfbnet.org>
>Sent: Saturday, January 24, 2009 10:58 AM
>Subject: Re: [Nfbc-info] Long term care insurance
>
>
> > Hi Mary.  The problem is more with normal health care insurance, and
> > it's
> > not a blindness issue, but an issue of the insurer having too much of
> > a
> > say in treatment options.  Some years ago, I bought a supplemental
> > plan
> > that looked good on paper.  I dropped it a month later after receiving
> > treatment for a migraine which treatment was dictated by the plan's
> > protocols.
> >
> >    Then there's the question of risk.  If you're a part of a high risk
> > group, the likelihood is that you will pay more in premiums per month
> > than
> > you will ever use even if you had no insurance at all.
> > ----- Original Message -----
> > From: "Mary Willows" <mwillows at sbcglobal.net>
> > To: "NFB of California List" <nfbc-info at nfbnet.org>
> > Sent: Thursday, January 22, 2009 9:59 PM
> > Subject: [Nfbc-info] Long term care insurance
> >
> >
> >> If you or anyone you know who is blind has had any negative
> >> experiences
> >> applying for long term care coverage, please contact me on this list
> >> or
> >> by phone.
> >> Our new state office phone number is:  (510) 248-0100.
> >> Thanks,
> >>
> >> Mary Willows, President
> >> National Federation of the Blind of California
> >> mwillows at sbcglobal.net
> >>
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ast.net
> >>
> >
> >
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