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Other Resources
- United Seniors Health Cooperative developed a comprehensive
booklet called Long Term Care Planning, a Dollar and Sense
Guide, also a four-page brochure on the subject. They are
the most readable explanations of various long term care options,
including long term care insurance, that I have seen, and they
are moderately priced. USHC seems to have been absorbed by NCOA,
but the publications are still available. Go to www.ncoa.org,
click on Publications and cursor to Private Long Term Care Insurance.
The current order numbers are SC100 (Guide, about $15.00) and
LTC100 (brochure, less than $10.00 or 50 for $37.50).
- The Alabama Department of Insurance and other states’ insurance
departments provide a booklet that offers helpful suggestions
for determining whether long term care insurance is likely a good
idea for you, and how to go about investigating possibilities
and making a selection. Budget constraints in Alabama may not
allow distribution of a print version in 2004, but it is available
online at www.aldoi.gov.
Go to "consumer" for a list of Health Insurance
for Senior Citizens. For more information, call the Insurance
Department at 1-242-241-4141, or the Alabama Department of Senior
Services at 1-800-243-5463.
- Area Agency on Aging Insurance Counselors provide free information
and advice to seniors of any income on health care financing,
including long term care insurance and other financing options.
In Alabama call your Area Agency on Aging, or call the state office
at 877-245-2243 or 334-242-5743.
- Consumer Reports, Consumer Digest and other consumer and popular
publications periodically offer information on this and other
elder- related topics. AARP offers helpful publications on the
subject.
- For those wanting to do more intensive research on long term
care insurance, the National Association of Insurance Commissioners
developed a Model Long Term Care Insurance Policy and Model Long
Term Care Insurance Regulations several years ago. Most states
adopted some part of the Policy or Regulations or both, but many,
like Alabama, have not adopted some later important improvements.
- A copy of Alabama’s long term care insurance regulations
may be found in the Alabama Administrative Code, Insurance section,
or obtained from the Alabama Department of Insurance (Alabama
Regulation # 91).
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