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Features of
Long Term Care
Insurance
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Stable Premiums:
Premiums that will not be
influenced by any change in
your age or health, and will
not change during the life of
the policy. Insurance
companies do reserve the
right to change rates on a
statewide basis.
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Guaranteed Renewable:
The insurance company
can't cancel the long term
care insurance policy unless
you fail to pay the premium.
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Covers Mental Conditions:
Covers mental and nervous
conditions due to any
organic brain disease,
including Alzheimer's
Disease.
Exclusions: Exclusions
should be minimal and
should not adversely affect
your stated insurance
protection goals.
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No Pre-Existing
Conditions: All previous
medical history admitted on
the long term care insurance
application and is approved
for a policy, is of no
consequence in the future.
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Waiver of Premium:
The insurance company
allows you to stop paying
premiums once you've
begun receiving benefits.
There can be waiting
periods of up to 90 days
before this waiver takes
effect, and it may not be
available when home health
care is purchased.
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914-276-6000
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800-498-1819
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Click on the link below for
a New York Long Term
Care Insurance quote form.
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(914) 276-6000
(800) 498-1819 toll free
(914) 401-9319 fax
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Group Benefits
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Direct Access
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Direct Access Group Benefits, Inc.
© 2004, All Rights Reserved
© 2004, All Rights Reserved
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189 Route 100
PO Box 590
Somers, New York 10589
Westchester County, NY
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