Firman J P
United Seniors Health Cooperative, Washington, DC.
Pride Inst J Long Term Home Health Care. 1992 Fall;11(4):18-26.
Consumers who purchase long term care insurance policies can get good value for their money but there are several residual risks. Advisers have an important responsibility to make sure that their clients fully understand these risks. We recommend that consumers who are appropriate candidates for long term care insurance take into account the following guidelines: Make sure that a policy is bought from a well-known, financially secure company that has an A.M. Best Company rating of A or A+ or at least an A rating from Standard & Poor's. Avoid companies that have a history of consumer complaints, post-claims underwriting, high agent commissions, high lapse rates, or abuses in the Medigap market. Buy a policy with level premiums but understand that in the absence of explicit rate guarantees, premiums may be increased in the future. Seek policies that are guaranteed renewable, explicitly ensure fair access to policy upgrades, provide protection in case of late premium payments, and guarantee protection from potential changes in government benefits.
购买长期护理保险政策的消费者能够物有所值，但仍存在一些残余风险。顾问有重要责任确保其客户充分理解这些风险。我们建议，适合购买长期护理保险的消费者考虑以下指导原则：确保从知名且财务状况稳健的公司购买保单，该公司需获得A.M. Best公司的A或A+评级，或者至少获得标准普尔的A评级。避免选择有消费者投诉历史、索赔后核保、高额代理人佣金、高退保率或在医保补充市场存在违规行为的公司。购买保费固定的保单，但要明白，在没有明确费率保证的情况下，未来保费可能会增加。寻找有保证续保条款的保单，明确确保公平获得保单升级机会，在逾期支付保费时有保障措施，并保证不受政府福利潜在变化的影响。
