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Re: Mental LTC

Posted by Nathan Stec on April 04, 2002 at 22:46:08:

In Reply to: Mental LTC posted by Mary on April 03, 2002 at 15:50:54:

: Which LTC policies offer the best coverage for mental conditions. Severe depression runs in my family and althought I am 47 I want to get a LTC policy before the family problems catch me. My father and brother are unable to work or even take care of them selves because of bad mental problems.

There isn't a specific company that is better for mental conditions. Basically you need to find a policy that does not exclude mental and nervous disorders. Most of the larger companies such as John Hancock, CNA, and GE Capital do not exclude mental illness. If you have questions about a policy you are looking at, check out the exclusions on the contract, if it says the policy will not cover care resulting from inorganic mental illness, move on to a different company! Depression is inorganic!

Follow Ups:

Re: Mental LTC : : Which LTC policies offer the best coverage for mental conditions. Severe depression runs in my family and althought I am 47 I want to get a LTC policy before the family problems catch me. My father and brother are unable to work or even take care of them selves because of bad mental problems. : There isn't a specific company that is better for mental conditions. Basically you need to find a policy that does not exclude mental and nervous disorders. Most of the larger companies such as John Hancock, CNA, and GE Capital do not exclude mental illness. If you have questions about a policy you are looking at, check out the exclusions on the contract, if it says the policy will not cover care resulting from inorganic mental illness, move on to a different company! Depression is inorganic!

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