Are Claims Paid?
More than $20 million dollars in benefits is being paid to long-term care policyholders every day. Read the report here.
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State Information
Mark Covey is licensed in 6 states. Click here to learn more about long-term care insurance in these states.
Long-Term Care – Wake up, don’t snooze and lose!
You’ve heard it a thousand times, “You snooze, you lose!” And to some degree, it’s true! Meaning, if you don’t rush out to the store, you’ll probably miss out on that great sale; hence, paying more for that item. But that’s okay, it’s happened to all of us. ...
Protecting Your Assets with a Government-Approved, Long-Term Care Partnership Policy
In the old days, in order for the government pay for someone’s long-term care expenses, the person would have to spend down their assets to the “poverty level”–about $3,000 in most states.Since 2005, and the passage of the Deficit Reduction Act, most states are...
What are the first steps in finding the right long-term-care insurance?
Conduct a simple Internet search on long-term-care insurance and the results are baffling. Add the words buy or quote, and it gets even more complex. For an insurance product that already has mystery surrounding it, the sheer amount of information yielded by an...
Don’t Believe All The Negative Headlines
How sick is the long-term care insurance industry?The headlines are bleak:“What’s killing the long-term care insurance industry?”“Costs of Long-Term Care Rise While Payment Options Narrow”Contrary to what is often published on the internet, long-term care insurance...
Long-term-care insurance helps protect families
Long-Term Care Facts Column: article originally published by the Redlands Daily Facts August 8, 2013:Long-term-care insurance is an emotional subject. I mean, really, who wants to talk about the possibility of needing help with bathing, dressing, and toileting? "It...
Three Big Problems With Long-Term-Care Insurance
There are three issues concerning people who are considering long-term care insurance: The underwriting and approval process can be long and difficult Claims may not be paid in the future when care is needed, and Premiums might skyrocket forcing you to drop the...
Busting Myths About Long-Term Care Insurance
Myth #1 Most long-term care insurance claims are for nursing home careWhen the long-term care insurance began in the mid-1960’s, most policies only covered the cost of nursing homes. It wasn’t until the early 1990’s that insurers began including riders that covered...
The Truth About Long-Term Care Insurance
Long-Term Care Facts Column: article originally published by the Redlands Daily Facts May 9, 2013: In my last column, I addressed recent articles published on a several well-known news websites have been riddled with half-truths and misleading information. In an...
Is Pricing Discriminatory or Good Business Practice?
Some of the leading long-term care insurance companies have recently announced that they will soon offer policies that have different rates for men and women. Gender-based pricing for insurance is not new. Most insurance policies have premiums that are based on...
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