Duane Lipham

Caring.com Expert

About

Duane Lipham is a certified long-term care (CLTC) consultant who writes extensively on long-term care insurance issues and related subjects. He brings personal passion to the subject of long-term care because he has faced the challenges associated with being a caregiver for members of his own family. Along with his professional knowledge of the field, this real-life experience has given Lipham insight not only into the financial aspects of caregiving but also into the emotional and mental impacts that such care can bring. He offers free information, news, and articles regarding long-term care insurance and aging at the Long Term Care Consumer Guide website and the Long Term Care Review blog.

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Recently Published on Caring.com

  1. Thursday September 29, 2011

    1. Are there any long term care insurance companies serving Florida that will accept clients with history of depression, anxiety, and chronic fatigue syndrome?

      Answer - I wish that I had better news for you but it is difficult for anyone who is receiving long-term disability payments to get long-term care insurance coverage.

  2. Monday September 26, 2011

    1. Should I purchase long-term care insurance for my mother?

      Answer - Medicare and CHAMPVA are wonderful programs that assist with health care costs, but neither are designed to provide meaningful benefits for long-term care services.

  3. Wednesday June 08, 2011

    1. Can mom's long-term care insurance cancel her?

      Answer - I know that it's pretty easy and convenient to blame insurance companies for situations that don't work out as well as we would like. And there are occasions when the insurance company is clearly not seeing things correctly.

    2. Is there any way I can find affordable insurance for my mother?

      Answer - I have had these kind of memory issues arise from time to time with my clients too.

  4. Monday May 09, 2011

    1. Why are there no long term care insurance policies to fit my needs?

      Answer - Actually most long-term care insurance policies sold today do provide funds for care that may result from cognitive issues like Alzheimer's, dementia, and senility when it reaches the point that supervision is required.

  5. Thursday August 12, 2010

    1. How can I figure out how much money I’ll need for long term care?

      Answer - This is a very good question since the cost of long-term care is constantly rising. This makes planning ahead for long-term care costs essential when you are considering long-term care insurance.

  6. Wednesday July 07, 2010

    1. Can you be denied long-term care insurance if you are diabetic?

      Answer - Diabetes is a matter of concern for most long-term care insurers, but many diabetics are approved for coverage. The results of their decision can depend on several factors.

  7. Wednesday June 16, 2010

    1. Does having a pacemaker make you uninsurable for long-term...

      Answer - Just having a pacemaker implanted does not automatically result in a decline of an application for long-term care insurance.

  8. Tuesday May 04, 2010

    1. Will being a breast cancer survivor disqualify you from getting LTCI?

      Answer - Most long-term care insurance carriers will accept someone with a history of cancer treatment as long as it has been treated successfully and sufficient time has passed with no recurrence.

  9. Monday January 25, 2010

    1. How will receiving long term care benefits affect my social security benefits?

      Answer - Long-term care insurance benefits and Social Security benefits are completely unrelated. Receiving benefits from either one does not affect the other.

  10. Thursday December 10, 2009

    1. Can mom's long-term care insurance cancel her?

      Answer - Older policies often had provisions for reinstating long-term care insurance. Many would allow for re-instatement up to 6 months after the policy had lapsed if the reason was due to a cognitive OR a physical impairment. (Most newer policies only allow for re-instatement in the event of a cognitive impairment...