Are You Eligible?

Looking For a Quote? We Need Some Information in Order to Help You . . .

Thank you for your interest in Long Term Care Insurance. Please see the rest of this web site for general information and answers to frequently asked questions.

My name is Lorraine Spiotta and I specialize in Long Term Care Insurance. How do I get paid? I receive payment from the insurance companies; there is no charge to you for my services.

Part of the service I am able to provide to you is the preparation of a spreadsheet comparison of most of the insurance carriers. The spreadsheet will inform you about cost but an in-person visit is best to allow me to explain in detail the differences between the various companies.

I would encourage all individuals to meet with me and design a plan properly. However, I completely understand that most people are pressed for time, and would like some preliminary information before they commit to a relationship, or even an in-person visit Therefore, as an accommodation to the busy schedules of my clients and potential clients, I have created a system whereby you can provide me with some preliminary information via e-mail and explain to me what you are looking for and how much you want to spend in premium. This allows me to provide you with some valuable basic information, which we can use to work together to create the most appropriate plan for your needs. Long Term Care Insurance plans are extremely flexible in benefits and give everyone an opportunity to have some type of coverage.

If you have reached me via e-mail I assume you have read my web site. If you have, you know that long term care expenses are real and could happen to anyone at any age.

Once you purchase long term care insurance the premiums will not increase because you are getting older or your health declines. An Insurance company may increase the premium that you pay, but may only do so if the premium change is applied to all policies issued in your state on the same form as your policy.

Are You Insurable?

• Do you use mechanical devices, such as: a wheelchair, walker, crutches, hospital bed, dialysis machine, oxygen or stairlift? Yes or No
  
• Do you currently need or receive help in doing any of the following: bathing; eating; dressing; transferring from bed to chair; maintaining continence? Yes or No
  
• Do you currently have, or have you ever had a diagnosis of symptoms of: Alzheimer's disease, dementia, or organic brain syndrome? Yes or No
  
• Have you been diagnosed or treated by a member of the medical profession for AIDS or AIDS related complex?
  Yes or No
  
• Within the past 12 months, have you: been confined to a nursing home or a custodial care facility? Received home health care services? Yes or No

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If you answered, "YES" to any questions, DO NOT CONTINUE.

If you answered "no" to all, Please CONTINUE