Kansas Preferred Insurance will guide you and help you understand the many different types of Kansas long-term care insurance choices for yourself and your family. For example, suppose your employer does not offer adequate health insurance to fit your needs, or you are self-employed. In that case, one of our experienced advisors can help you sift through the different options to select the right plan for your needs at an affordable price.
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Kansas Long-Term Care Insurance:
Whether it’s at an outside facility or in your own home, you want your assets protected when you require long-term care. Long-Term Care Insurance allows you to transfer some of the cost for care to help preserve your wealth. You can choose a facility daily benefit amount between a $50 minimum and a $250 maximum, as well as a benefit period and waiting period. The Insurance Company will provide coverage while you are in a facility or being cared for in your home.
Benefit Payment: The benefit amount is paid directly to you, not to the care provider, regardless of the cost of your care. This provides you with more flexibility in using this money, and there are no bills or receipts to submit.
This policy is intended to be federally tax-qualified as defined by the Internal Revenue Code of 1986 § 7702B(b).
As long as you pay your premiums within 65 days of the due date, the policy cannot be canceled. Premiums are based on your age at the time you purchase the policy and the benefits you choose. Premiums may change, but only if we change the premium rates for everyone in the rate class. Coverages cease when your maximum lifetime benefits have been paid.
No Exclusions due to Preexisting Conditions:
Once you have been accepted and your policy has been issued, there are no restrictions or exclusions due to preexisting conditions.
Selecting the correct Kansas long-term care insurance depends on several factors, not limited to the amount of assets you need to protect. Our experienced Kansas long-term care insurance advisors can help guide you through the process and help you select the correct long term care insurance for your specific needs
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