For your convenience, our most common customer questions are answered right here.

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Q: Should I enroll in my employers group long term care plan?

A: We think having long term care coverage is in your best interest if it is affordable and appropriate. A discussion can help us guide you further, but your health really determines your options for insuring for long term care. If your health is fair to excellent you can probably get a lower premium by shopping the coverage through an agent that handles multiple companies. We are independent agents and can do that for you. However, we have met with people who have health issues that are not insurable so if they have the option for “open enrollment” in a company plan we recommend they take advantage of that opportunity. Open Enrollment means you do not have to health qualify so you should act promptly before the enrollment period ends.

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