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LTC Coverage
Nov 2, 2010

I have a LTC insurance policy I purhcased long before testing HIV positive. The policy was not canceled and I continue to pay it thinking that I will use it someday. Am I wasting my money? Is there a risk of denial of beneifts? Do LTC policies have any cash value? Thanks!

Response from Ms. Franzoi

LTC can be a useful benefit to have, especially since you enrolled prior to testing positive for HIV . So I would continue to carry it. our LTC policy might have a paid up option that would allow you at a certain age to cash it in or you could have a paid up option that would allow you to stop payments and freeze the benefit amount. You should check your policy to determine the terms.

Continuation of Medicare Benefits
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