J. K. Lasser's Choosing the Right Long-Term Care Insurance

BENJAMIN LIPSON has been a consumer advocate and newspaper columnist for more than two decades. Known for his work on patient rights, senior health care issues, and long-term care insurance, he has written more than 500 articles for the Boston Globe. Lipson has been actively involved in the insurance industry for fifty years. He is the founder and President of Just for Seniors Insurance, Inc., Chestnut Hill, Massachusetts, and edits the Just for Seniors newsletter.

Foreword by Dr. Yung-Ping Chen. Preface. Introduction. 1. Independence for All. 2. Alternatives to Long-Term Care Insurance: Doing It Your Way. 3. Reading the Fine Print: How to Buy the Coverage You Want with the Dollars You Have. 4. Current Tax Considerations: Insurability Does Not Always Mean Deductibility. 5. Underwriting for Physical Impairments: Playing Underwriting Roulette. 6. Underwriting for Physical Impairments: Changing the Odds in Underwriting Roulette. 7. The Cognitive Impairment Test: No Lifelines Allowed. 8. Leveling the Playing Field: How to Distinguish between Fact and Fiction during the Sales Pitch. 9. Who Can Help You Choose the Right Policy?: Finding a Seller You Can Trust. 10. Choosing a Company: Ensuring That the Company Will Be There When You Need It. 11. Caregivers. 12. The Envelope Please: The Nominees for Best Long-Term Care Insurance Soap Opera. 13. Questions and Answers. 14. Dos and Don'ts. 15. Two Letters. 16. Epilogue. Appendixes. A. Do I Need Long-Term Care Insurance?: Steps in the Process of Making a Decision. B. Uninsurable Conditions. C. Physical Impairments and Medical Risk Selection Guide. Glossary. Index.