Talk:Long term care insurance

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[edit] Audience

This article is dedicated to the most beautiful cat in the world. There is no comparison between her long term care needs and those of an individual's; however, I am of the opinion that a person evaluating a long term care contract should have a clear idea of what he or she is looking for and should ask lots of questions. These contracts are ideal for people who are healthy today and unwilling to risk not having adequate long term care in the future. No offense taken. Paradigmbuff 01:30, Nov 14, 2004 (UTC)

[edit] Risk

Dear Mr. Shadowe, The element of risk is the increased risk of need for long term care insurance, the product; not necessarily the increased needing for the contract. One may choose NOT to purchase one (if that need does not exist). Somewhat similar to an automobile insurance contract, the risk of need is 100% in my homestate of South Carolina when one buys a car. So, I'm not certain if your edits changed the meaning here. Paradigmbuff 19:49, Nov 24, 2004 (UTC)

[edit] External link to http://guidetolongtermcare.com

I fail to see that the external link to guidetolongtermcare.com is inappropriate since it is an informational website and not commerical as Finlay McWalter claims. 21:12, 9 October 2006 (UTC)Muspiel

I'm not the person who removed the link, but I can see how it could be a matter of contraversy, since that site also provides quotes for (that is, sells) long-term care insurance. Vectro 18:31, 19 February 2007 (UTC)

[edit] External link to http://ltctree.com/Long-term%20Care.htm

I've been in the long term care industry for 10 years and my info keeps getting erased. What gives?? http://ltctree.com/Long-Term%20Care.htm {{u nsigned|Lorela1942|02:46, 16 February 2007}}

That site appears to primarily exist to sell long-term care insurance contracts. Recall that Wikipedia is not a collection of external links. Don't add links to wikipedia to promote your site; if it provides good information, others will add it for you. Vectro 18:31, 19 February 2007 (UTC)


[edit] External link to http://longtermcare.genworth.com/comweb/pdfs/long_term_care/Cost_Of_Care_Survey.pdf "Cost of Long Term Care"

This is a much-cited work in the LTCI industry and a foundational work in the LTCI discussions going on in DC. It does not promote products and is not a spam link. It should be re-instated. LifeWeb 5:30, 23 February 2007

I agree, and will reinstate the link. Vectro 19:16, 25 February 2007 (UTC)

[edit] Vandalism

I've removed vandalism which I noticed in reading the article. See history. Hope that I haven't messed up formatting. BobShair 18:32, 11 July 2007 (UTC)


[edit] Consumer Reports Report

http://www.consumerreports.org/cro/money/insurance/longterm-care-insurance-1103/overview/

I am a financial advisor with LPL Financial, and an independent contractor with many LTCI companies. First let me say that this report can be extremely misleading to the general public. I have dealt with many clients canceling their LTCI after reading this policy. The fact is, this 2003 report does not reflect then current state of LTCI, at least for the particular policies that I have written for my clients, so I would like to caution anyone who reads this report. —Preceding unsigned comment added by Geoffvf (talk • contribs) 03:56, 2 April 2008 (UTC)