Vivinavi

Is Buying Long-Term Care Insurance Right for You ？?

[

There are three types of long-term care insurance policies that may or may not be appropriate for you to consider.] Regarding long-term care insurance, we introduced "three types of long-term care insurance" in another section of the Machikado Hot List, "Long-Term Care Insurance in Hawaii and Long-Term Care Insurance in an Aging Society", and among them, a savings type life insurance （ with a long-term care insurance rider ） : Life Insurance Policy with a Rider, you may want to consider purchasing a Long-Term Care Insurance Only Policy （ Stand-Alone Policy ）. The National Association of Insurance Commissioners
provides the following guidelines for purchasing a Stand-Alone Policy .



< 介護保険の購入に対し、ご検討なさらない方が良いと思われる方 >
* If you are unable to afford the monthly premiums
* If you do not own significant assets
* If your only source of income is social ・ security or similar income <1763> * Utility bills ・ Food ・ Medical or other important payments
* Currently on Medicaid

< 介護保険の購入に対し、検討なさる事が適していると思われる方 >
* You have some assets of your own or currently have sufficient income
* You do not wish to use your current assets or income to pay for future care
* You are able to pay the monthly premiums for long-term care insurance and can handle future increases in premiums
* You do not wish to burden your family or friends with your future care
* You do not want to burden your family and friends with your future care * You want to have options for how you will be cared for in the future

We have options for each of you, so please feel free to contact us if you have any questions.