Shopping Tips

Last updated: March 29, 2016

1. If your income and assets qualify you for Medicaid, you DO NOT need long-term care insurance.

2. Don’t wait until retirement to check on long-term care coverage through your employer’s group insurance plan. 

3. Talk to several agents and companies. Compare policies. Policies have different coverage and costs. Companies also offer different services. 

  • Click here for a "Comparison Worksheet" at the end of the booklet.

4. Learn about the agent and company. Check with the Kansas Insurance Department to make sure that any agent or company you are considering is licensed in Kansas. Keep the agent’s and company’s name, address, and telephone number. Through the KID website, you can find out how many complaints have been filed about a company or how many premium rate increases the company has had.

5. Take your time. Do not be pressured into buying a policy. Principled sales people will never rush you.

6. Never buy a policy or sign something you do not understand. Ask as many questions as you need. Discuss the policy with a trusted friend, relative, or adviser before you buy.

7. Never sign a blank application

  • Answer all questions truthfully. An insurer can deny a claim or cancel a policy if an answer is incomplete or inaccurate.

8. When buying by mail or online, see if the company has a local agent or a toll-free number you can call with questions. 

9. Make checks payable to the insurance company, never to the agent. Never pay cash. Pay by check or money order and insist the agent give you a receipt

  • Most companies require that you receive a receipt.

10. Don’t pay premiums for more than one year at a time. 

  • If there is no discount for an annual premium, it may be to your advantage to pay by the quarter or by automatic bank draft.

11. Don’t buy multiple policies. Generally, it is not necessary to purchase several policies to have enough coverage. One good policy is enough.

12. Replacing an old policy: Before you buy a new policy, make sure it is better than the one you already have. Even if your agent has switched companies, carefully consider any changes.
  • If you decide to switch, make sure your new application is accepted and the new policy is issued before you cancel the old policy.
  • If you cancel a policy in the middle of its term, most companies will not return any premiums you have paid.

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