Kat Palmiotti, Helping your Montana dreams take root (406-270-3667, kat@thehousekat.com, Broker/REALTOR®)

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Carol Williams
Although I'm retired, I love sharing my knowledge and learning from other real estate industry professionals. - Wenatchee, WA
Retired Agent / Broker / Property Manager

I would certainly be interested in what you learn. This is something I've thought about but not researched yet.  It may be too late  to get a reasonable rate at my age.

Apr 17, 2019 07:25 AM
Roy Kelley
Retired - Gaithersburg, MD
Apr 17, 2019 06:47 AM
Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

Oh my goodness, Ray takes care of all of that, thankfully! I see the entry on the budget and don't ask questions. Perhaps I should, huh?!

I am interested to see what you learn about it though, Kat.

Apr 17, 2019 10:00 PM
Harry Norman, REALTORS® - Atlanta, GA
Associate Broker

I'm not there yet.

Apr 17, 2019 05:19 PM
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

Insurance shopping can be a nightmare, so much comparing apples to oranges.

One thing that I like about the Affordable Care Act is that is required them to all offer consistent coverage.

Apr 17, 2019 03:34 PM
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor
Apr 17, 2019 01:24 PM
Mike Cooper, Broker VA,WV, MD
Cornerstone Business Group Inc - Winchester, VA
Your Neighborhood Real Estate Sales Pro

Kat, we're struggling with this same dilemma. 

Apr 17, 2019 01:04 PM
Diana Zaccaro Broker Associate
Tropical Beachside brokered by eXp - Cocoa Beach, FL
"The Accidental Blogger" Cocoa Beach, Florida

This is something I've been avoiding since I hate dealing with insurance sales people but need to think about. Please let us know what you find out.

Apr 17, 2019 12:00 PM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

I believe that would a state-specific policy and the cost will vary depending on the state. I do not currently have one however I will be getting one later this year.  All the best to you on this. 

Apr 17, 2019 11:06 AM
Don Baker
Lane Realty - Eatonton, GA
Lake Sinclair Specialist

yes, blue cross blue sheild, it is through my full time employer

Apr 17, 2019 11:05 AM
Dave Martin (703) 585-4687
Fairfax Realty - Fairfax, VA
Making Realty Dreams a Reality #WeWillGetYouHome

My suggestion is to consult with your family attorney and also your business advisor, CPA, Financial planner.

Something to seriously look at is how the policies actually work these days. You're monthly rates are subject to change so its possible that by the time you do need it or while you are using it. It could actually become unaffordable to pay the premiums by the time you need it or while you are using it. The premiums continue until the insured party dies or cancels the policy. 

Hope that at least provides you with a bit of help Kat Palmiotti 

Apr 17, 2019 10:26 AM
Libby Cousins
Extraordinary Processing - Spokane, WA
Contract Mortgage Processor, licensed in WA

I have not checked into long-term care insurance yet as I was told that there is no point before 60. When I was looking into it before, I checked with Zander Insurance. They are the broker and work with many companies. I found my life insurance through them. They are very highly rated and Dave Ramsey endorses them. Can't hurt to check them out. 

Apr 17, 2019 10:06 AM
Ryan Huggins - Thousand Oaks, CA
https://HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

Sorry, that's one area I have not looked into.

Apr 17, 2019 09:38 AM
Bob "RealMan" Timm
Ward County Notary Services - Minot, ND
Owner of Ward Co Notary Services retired RE Broker

Just last week when I signed up for Medicare/Medicade I chose a policy Kat Palmiotti . I can't tell you a darn thing about it yet but I trusted my agent after I grilled the s**t out of him about it. 

Apr 17, 2019 07:25 AM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

Mine is paid for through Hanover. They had no charges after $100,000 paid.

Apr 17, 2019 07:16 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Hi Kat... I know we have one, but my husband organized it all so I don't have a clue about the details and couldn't say whether I love it or not. I think it's important to "hook up" with the right professional who can bring you multiple options to consider and explain the pros and cons of all in easy to understand language so you can make an informed decision.

Apr 17, 2019 06:39 AM
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

certainly interested in the responses. 

Apr 18, 2019 11:41 AM
Debra Leisek
Bay Realty,Inc Homer Alaska - Homer, AK

I have a long time friend in Wichita Kansas that sells this type policy

New York LIfe

Bernie Zeliski  he really believes in it... 

Apr 18, 2019 12:21 AM
Annette Lawrence , Palm Harbor, FL 727-420-4041
ReMax Realtec Group - Palm Harbor, FL
Making FLORIDA Real Estate EZ

Every ones situation is different.

My recommendation is to find a NGO or attorney type who specializes in Life Planning.  Some who specialize in elder care could prove beneficial.

For most, making such plans at least five years in advance is CRUCIAL.

One would think AARP would be a 'go to' resource since they are now in the 'insurance' business.

Apr 17, 2019 09:44 AM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

I have not looked into it! Pros and con on each side of the table.

Apr 17, 2019 08:21 AM
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

Do not have one. Wife says a waste of $.

Apr 17, 2019 07:18 AM
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

Do some Medicare research or assisted living places offer various plans too

Apr 17, 2019 06:59 AM
Doug Dawes
Keller Williams Realty Evolution - Topsfield, MA - Georgetown, MA
Your Personal Realtor®

We used to have one but it became way to expensive for us

Apr 19, 2019 07:11 AM