Long Term Care Law Office Blog

Steven Dunn Podcast Interview on Understanding Policies and Benefits

Mar 5, 2017   written by ltcAdmin
Steven Dunn was interviewed on the podcast “OMG I’m Getting Older And So Is My Mom” by Scott Greenberg.

The Podcast was originally posted on Jan 29th 2013.On the show Steven helps listeners understand their benefits, how to access them, and how to have benefits restored if the policy has lapsed.
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Restoration of benefits: The golden-ticket to extended benefits?

Dec 7, 2016   written by Kelsey Dunn

Some people have lifetime polices, which essentially never “expire”-as long as the insured keeps the policy active by paying the premiums. The majority of people though, have limited-time policies. In order to maximize these limited-time policies, it is crucial to understand how to utilize and maximize their features in order to fully benefit the policyholder.
One of the most crucial yet overlooked policy features is called restoration of benefits. Perhaps the most important characteristic of this “restoration of benefits” feature is its ability to essentially transform a limited time policy into a perpetual policy, when used properly.

How?

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The Importance Of Following a Plan Of Care (And Why It Doesn’t Always Happen).

Nov 4, 2016   written by Steven Dunn

A serious issue that I have encountered in the long term care world is when an insurance company undercuts a plan of care for an insured person. Oftentimes, even though a plan of care has been approved by an insured’s physician, the insurance company will disagree with the amount of care hours assigned. This is probably one of the biggest problems in the industry because there is a lot at stake for everybody.

Allow me to explain.
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Nurse Regestries & Agencies: How to Increase Revenue Stream and Quality of Service

Sep 29, 2016   written by Kelsey Dunn

Many of my registry clients are told that their policy benefits have been maxed out. Consequently, when registries or agencies are no longer getting paid by the insurers, they look to their clients to step in and pay. In many cases, these clients cannot afford to pay, and more often than not, the registry or agency will stop providing care, and essentially lose their client as a result.

This happens primarily for two reasons:

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How to avoid (or recover) from a policy lapse.

Nov 18, 2016   written by Kelsey Dunn
There are essentially two reasons that people stop paying their insurance premiums and cause their policy to lapse: they consciously decide to stop paying them, or they inadvertently forget to pay them. 
 
Let us address the latter. 

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Long Term Care Insurance vs Memory Care

Sep 29, 2016   written by Kelsey Dunn

This summer Frank Anania from Mesa, Arizona reached out to A Place for Mom with what at first glance, seemed like a simple question. “My wife is in memory care. Our long term care insurance, which pays $200.00 dollars per day for nursing care, will only pay $100.00 per day for memory care. Memory care requires more daily care. What can I do?” he asked. (more…)