Best type of policy for female age 67. Does not smoke or drink. Recommendation of company would also be gratefully appreciated!
Terry Says: OK, this is not a “health care” policy — it is a “custodial care” policy — which covers care at home or in assisted living or in a nursing home, if a doctor certifies that you are unable to do basic activities of daily living — things like dressing, toileting, bathing, feeding yourself, etc. Please read my recent column for more details — and I have given the contact information of two trusted Long Term Care Insurance advisors who will assist you in choosing the appropriate coverage.