Delta Airlines Group Long Term Care Insurance

As the year comes to an end many companies have there open-enrollment on there various insurance plans and dead-lines for employees to decide whether to participate or not.  We've helped people from all over the country compare Delta Airlines Prudential group long term care plan with individual policies and we've found that if the person is reasonably healthy they can get more benefits for less money if they go the LTCtree individual policy comparison route.  Why is this possible?  If you think about the employee base with any major company you will find people who are in great shape health wise and people that are in not such good health.  For the insurance company to make a profit on the group and for the whole thing to work they have to charge more money to make up for the unhealthy people they are forced to let in during open enrollment as well as cut the benefits.  These sub-standard health people may suffer from diabetes, former cancer patients, etc and if you have good health you should use that to your advantage and get more benefits with the same company while saving money.  On the flip side if you have severe uncontrolled medical problems the group plan will probably be a better option for you. 

The most common benefit these group plans cut is the home health care part; typically group long term care insurance plans will provide 50% or 75% home health care which is a problems because about 78% of all long term care claims are filed in a person's home.  The Delta Airlines plan underwritten by Prudential take it a step further and once you reach age 84 they will cut your benefits 10% each year.  Most long term care insurance claims are filed in your 80's so if you have a beating pulse you should at least talk with one of our long term care insurance planning specialists to discover if you could potentially qualify for a plan.  Take a minute to fill out the form below and we'll send you side-by-side quotes from the top 8 companies.