Monthly Archives: September 2015


It is true that you should be able to determine exactly what you expect from your long term care insurance (LTCI) policy before requesting long term care quotes.  But if you want to save money on your premium, you’ll check out the other facets of a potential policy. 


You may be able to cut back on your annual premium if you go for a small maximum benefit amount but the problem is that you might turn out underinsured.  You can opt for a very short benefit period but in the event that you acquire an illness that will progress over time and require increased levels of care, this could result in huge out-of-pocket expenses.  You can also choose a 180-day elimination period but if you have limited resources you might never get around to satisfying this aspect of your policy and thus you won’t qualify for your benefits.


While it’s good to focus on the variables of your policy, it also helps to look at other factors outside of it that offer great premium savings.  Pay attention to the various discount rates offered by LTCI carriers.


Given the fact that LTCI policies are expensive, you have to find ways to cut back on your annual premium.  Just because other policyholders reduced their maximum benefit amount, shortened their benefit period, and extended their waiting period it does not mean you have to do the same. 


Factors to Take Into Account When Comparing Long Term Care Quotes 


Most people just take into account their possible long term care (LTC) needs, the cost of care in their area, and the rate of inflation when comparing their LTCI quotes. 


Some of them are so busy reducing their maximum benefit amount, benefit period and the other components of a potential policy seemingly forgetting that the main purpose of buying an LTCI policy is to avoid large out-of-pocket expenses.   


You don’t have to sacrifice your coverage in exchange for a lower premium because you can obtain huge savings from the special discounts which most LTCI companies offer. 


For instance, the good health discount can be availed by young individuals with excellent health condition.  So if you do not have a pre-existing condition or you don’t manifest symptoms of any debilitating disease at the time you applied for an LTCI policy, you have big chances of acquiring up to 10% good health discount.


Aside from healthy individuals, couples can also have the privilege to enjoy partner or spousal discounts.  It’s not only married individuals who can qualify for this type of LTCI discount because gay and lesbian partners, and even siblings can avail up to 40% discount on their LTCI premiums.  For as long as same-sex partners have a civil union certificate and they can prove that they are or have been living together, sharing domestic chores and living expenses they can qualify for the spousal LTCI discount.


Ask the LTCI agent who’s helping you gather long term care quotes how else you can reduce your premium without compromising your coverage.    


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If you need to get your windshield replaced, you should first look for a good windshield replacement quote. When it comes to windshield replacement, the price you pay will depend upon the type of car that you have as well as the type of windshield that you need for that particular car. There are shops that work on auto glass and can replace not only the windshield but also other windows in the car as well. It is never a good idea to run around with a cracked or broken windshield as this will not only be an excuse to get pulled over, but also hinders your vision.  

You should find a place that offers mobile auto glass repair in order to get a good windshield replacement quote.  It is important to get a good quote when it comes to the windshield in that it will be one that will fix it the right way and also not too much money.  If you are looking for emergency repair for glass which figures in when it comes to windshield replacement, then you need to use a reliable company to do the job. One that will be able to replace the glass right away so that you can get your car back in action.  

No one should attempt to run around with a cracked or broken windshield on their car. This is unsafe and needs to be replaced as soon as possible.  When someone needs to have windshield replacement, they will usually look for two things. One is that they need the windshield replacement quote to be something that they can afford. They can look for windshield replacement from a company that specializes in auto glass and how to fix it.  In addition, they need to make sure that the company that they choose to do the job will be able to come out right away and take care of the windshield replacement.  If they can come to you, that is all the better.

If you find that your windshield is cracked or broken, then you need to do something about it.  This means that you have to get windshield replacement as soon as possible.  To get started with this, you will need to contact a company that provides this sort of service and get a windshield replacement quote from them.  Once you are comfortable with the price, you can then proceed to have them fix your windshield. They can also replace other glass that might have been broken as well.

In some cases, insurance may cover the cost of windshield replacement, depending on whether or not you have full coverage for your car.  You want to be careful, though, because you need to make sure that the deductible is not more than the amount it will cost to pay for the replacement windshield. As this may not cost as much as your deductible, it is often better to pay this out of pocket to avoid going through the insurance company.  This is a matter that needs to be addressed as soon as possible for any car owner as it is unsafe and illegal to go around with a broken windshield.  

If you want to get windshield replacement, you need to go to a company that does this all of the time so you know they have the necessary experience. In order to get a good windshield replacement quote, go to Emergency Glass Repair.

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