Brian Gruss Licensed Insurance Planner

I’ve been asked many of times if I sold cancer insurance policies.  The answer I always give is, I can and will if you really want it.  But then they get to hear me ask questions like, why?  Why would you want a policy that only covered a single act and  has a lot of exclusions?  Why would you want a policy that you probably already have coverage for under your health policy?

It is my belief that some of these limited policies like cancer insurance policies help make people insurance poor.

One of the common answers I get about these policies is that it is so cheap.  Well, there is a reason that it is cheap.  It is cheap because the company doesn’t have to pay out a claim that often.

I would rather people take the money that they are spending on a cancer policy and get a good long term disability policy. A good disability policy will cover everything that disables you, which there is more of a chance of disability than there is in getting cancer.

Tags: Belief That, Cancer Help, Cancer Insurance Policies, Cancer Policy, Disability Policy, Disables, Exclusions, Health Policy, Insurance, Limited, Long Term Disability, Money, People

Aid and Attendance

Aid and Attendance is a little known veteran benefit, that may be able to help either the veteran or the surviving spouse with finances while either home care or facility care is needed.  This is something that you would want to keep in mind when your looking at purchasing a long term care policy.

Of course with Aid and Attendance there are stipulations that you must meet before you qualify.

To be able to receive Aid and Attendance benefits you should contact the regional VA office, if you don’t know which office you can apply at any regional office.

Tags: Aid And Attendance, Long Term Care, Regional Office, Veteran Benefit

There’s No Place Like Home…and there’s a new long-term care plan you just can’t beat to help you stay there. Your home is the center of your life.  It’s where your kids grew up.  And it’s where they’ll keep coming for family dinners and holiday get-togethers.  Your home is where you’re most comfortable.  And it’s where you plan to stay.

If you’re like most people, going to a care facility is something you don’t want to do.  But, did you know there is a long-term care insurance policy that actually may help keep you out of one by allowing you to get the care you need right in your own home?

A long-term care insurance policy also may help alleviate your other concerns.  For example:

• If you don’t want your kids to have to worry about taking care of you, long-term care insurance can provides benefits to help pay for care so you can enjoy the time you spend together.
• If you don’t want to put your retirement savings at risk, long-term care insurance can help you protect your savings from the high cost of long-term care services so you can enjoy all the things you planned to do in retirement.
• If you don’t want others making decisions about your care, long-term care insurance allows you to decide what’s best for you so you get the care you need in the setting of your choice.
• If you want to have something to leave your kids, long-term care insurance can help ensure you’re not putting their inheritance in jeopardy.

Let me show you how a long-term care insurance policy from United of Omaha Life Insurance Company can help you stay at home so you can continue living life on your own terms.  Contact me today.  I’ll be happy to provide a no-cost assessment of your long-term care needs.  And as always, there’s no obligation to buy.

Tags: Family Dinners, Inheritance, Insurance, Insurance Policy, Jeopardy, Life Insurance Company, Long Term Care, Long Term Care Insurance, Making Decisions, Obligation, Omaha Life Insurance Company, Retirement Savings, Risk Insurance, Term Care Insurance, Term Care Needs, Term Care Services, Term Insurance, United Of Omaha, United Of Omaha Life Insurance, United Of Omaha Life Insurance Company