Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Can I qualify for long term care insurance if I have some health issues?

Perfect health is not required. If your health conditions are controlled, no current physical therapy or procedures recommended not performed you may health qualify. Some conditions are not insurable for traditional long term care insurance, but may insurable with a linked-benefit (combination long-term care product) or life insurance with an accelerated death benefit or a medically underwritten immediate annuity, if you are currently receiving care. To provide you with specific information to meet your needs contact a LTC Planning Specialist.

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Did You Know?

How do I inform an insurance company a policyholder is deceased?

Write note to the insurance company noting the name of the insured (policyholder), date of death and policy number. Attach a death certificate. You can submit these to your insurance broker for...

What are the tax benefits for an employer offering long term care insurance?

The tax benefits are based on how the entity reports to I.R.S.

Tax Information for Self-Employed Individuals, Partnerships, LLC, S-Corporations

Can my Medigap policy be cancelled if my health changes?

No. Your Medigap policy is guaranteed renewable. As long as you pay your policy premiums on time, it cannot be cancelled by the insurance company.

How much life insurance do I need?

The answer to this question is different for everybody. Ask yourself the following questions:

How do I go about researching long term care planning and insurance?

As with any significant purchase, doing your research and homework is the key to buying a plan that fits your needs now and in the future. Consider the following:

1. Where do I want to...

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Can I qualify for long term care insurance if I have some health issues?