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February 02, 2010   Email to Friend 

FREE LONG-TERM CARE PLANNING FOR FEDERATION MEMBERS
Darryal Ray
(334) 613-4187
February 02, 2010

MONTGOMERY, Ala. -- Confused by the maze of long-term health care options for seniors? You now have an advocate in Capstone LTC Advisors, the latest new membership benefit offered by the Alabama Farmers Federation.

"With Capstone LTC Advisors, shopping for the right policy is simple," said Mike Tidwell, director of the Federation's Department of Organization. "You design your own policy, and then consult with Capstone LTC's professionals to optimize your policy benefit features. Capstone will then provide you with extensive policy and premium comparisons of eight of the top-rated companies in the industry."

Based in Florence, Ala., Capstone LTC Advisors has long-term care specialists across the state and is an affiliate of the Long Term Care Producers Group, a national senior market insurance brokerage firm.

Capstone LTC Advisors' service is free to Federation members. The only investment is the insurance premium IF the member decides to purchase a long-term care policy. Capstone LTC's goal is to help Federation members understand their options on long-term care insurance and design a policy that fits them best.

According to Alan Lovell, Capstone LTC Advisors' senior specialist, an important aspect of a long-term care insurance policy is where and when the policy will pay for services. Certain policies will only offer coverage for facility-based services such as in a nursing home. Other policies will only pay for care in the home.

Lovell said this timely membership benefit coincides with the recent Alabama LTC Partnership Program, which allows individuals with qualified policies to protect their assets should a need Medicaid services arise. The Alabama LTC Partnership, unveiled last March, is a collaborative effort between the Alabama Medicaid Agency and the Alabama Department of Insurance.

A comprehensive long-term care policy will pay for assisted care in the home as well as in a facility. Often individuals in need of care will begin with assistance in the home to remain independent as long as possible. Over time, when assistance is no longer adequate, a placement in a facility may be required. The policy and coverage would follow the individual.

The following types of care are standard features found in most comprehensive long-term care insurance policies:

• Nursing home facilities

• Assisted-living facilities (aka residential care facilities)

• Home health care

• Adult daycare

• Respite care

• Care coordination

Comprehensive long-term care insurance policies have four core features: Daily or monthly benefit, inflation benefit, benefit period or total benefit amount, and deductible period.

Understanding those features is imperative. That's why Capstone LTC Advisors takes a simple, professional approach to understanding and shopping for the long-term care insurance that's right for the situation.

"Our LTC professionals will assist Federation members understand the four core features of comprehensive long-term care insurance policies," said Lovell. "We do this in a simple, easy-to-understand method that is convenient for the member."

After reviewing the four core benefits, Capstone will begin to custom design a policy based on the member's health history and benefits desired. Capstone will then provide a policy comparison of the top companies, giving members everything they need to make an educated decision on their insurance needs.

For more information, visit www.affltc.com, email Alan Lovell at info@affltc.com or call (205) 680-1936 or toll-free at (866) 886-3849.




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