[Fredslist] Long Term Care Policy - Indemnity vs. Reimbursement - Tim Sensitive

[Lynda Feld]

Hello, Gotham:
We are considering long term care policies (hybrid universal life with
focus being long term care) from NY Life, Nationwide, and Brighthouse. Two
are Indemnity plans, one is Reimbursement. We must make our decision this
week.

Does anyone have any experience with how reliable these companies/plans are
in terms of covering/paying costs incurred and general pros/cons
reimbursement vs. indemnity? NY Life is reimbursement plan, others are
indemnity.


Thanks,
Lynda Feld
lyndafeld123 at gmail.com
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