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| 2004 Long Term Care Insurance Table of Contents |
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- CHAPTER ONE - WHO NEEDS LONG-TERM CARE INSURANCE? 1
- CHAPTER TWO - LONG-TERM CARE PROVIDERS 23
- CHAPTER THREE - LONG-TERM CARE INSURANCE 56
- CHAPTER FOUR - BENEFITS 77
- CHAPTER FIVE – CLAIMS, CARE & CASE MANAGEMENT 99
- CHAPTER SIX — STANDARDS FOR THE PROTECTION OF THE CONSUMER 118
- CHAPTER SEVEN – REGULATION OF LTC INSURANCE 160
- CHAPTER EIGHT — ALTERNATIVES TO LTCI 172
- CHAPTER NINE – OTHER ALTERNATIVES TO LTCI 204
- CHAPTER TEN - GROUP LONG TERM CARE INSURANCE 224
- CHAPTER ELEVEN – CALIF. PARTNERSHIP, CALPERS, SUMMARY & CIC OVERVIEW 239
- REFERENCES 254
- NON-SPECIFIC REFERENCE MATERIALS 260
- APPENDIX A – TAX TREATMENT OF LTCI 263
- APPENDIX B –CALIFORNIA PARTNERSHIP 275
- APPENDIX C - HICAP CONTACTS 284
- APPENDIX D – LTCI PERSONAL WORKSHEET 290
- APPENDIX E -LONG TERM CARE INSURANCE SUITABILITY LETTER 292
- APPENDIX F -THE NOTICE TO APPLICANT REGARDING REPLACEMENT OF ACCIDENT AND SICKNESS OR LTC INSURANCE 293
- APPENDIX G -TQ COMPARISON CHART 295
- APPENDIX H – IRS FORM 1099-LTC 297
- APPENDIX I – IRS FORM 8853 298
- APPENDIX J –STANDARDS FOR MEDI-CAL ELIGIBILITY NOTICE 300
- APPENDIX K - OUTLINE OF COVERAGE REQUIREMENTS 301