Making Long-Term Care Cool

ONTARIO, Calif., April 10 /PRNewswire/ -- Every day, we read about the
sandwich generation, folks taking care of their parents while raising their
own kids. We get cold-calls, emails and are bombarded with advertisements
talking about boomers hitting retirement age, says Frank N. Darras, the
nation's leading disability and Long-Term Care insurance lawyer.
(Photo: http://www.newscom.com/cgi-bin/prnh/20070717/NYFNSC02 )
Add a dose of Dennis Hopper and his Easy Rider "cool" pitching retirement
funds and Aerosmith lending its music to a Cadillac commercial and suddenly,
it hits. Are they talking to me? See http://www.darrasnews.com.
So, what do endorsements by legendary aging icons have to do with your
future? Madison Avenue meets Wall Street and they want you. More
importantly, they want your dollars.
Here is how it works, says Darras.

-- Boomers are turning 60, fast
-- Every year, add 4 million
-- Make retirement cool, put some heroes from our youth into the mix
-- Boomers everywhere jump in and buy, believing Long-Term Care is the
answer
-- Carriers charge high premiums, promise an independent life when you are
elderly
-- Big insurance sits back, collects our premiums, marveling at their
marketing genius

"Cool can become cold fast when you are old and wrongfully denied your
benefits," says Darras. "Choose your policy carefully. It is a decision that
will definitely affect your golden years. Chances are, Mr. Cool won't be
taking your call when you need your LTC the most."
Darras says, pay attention to the hard facts:

-- Research your LTC purchase thoroughly
-- If you have assets to cover rising medical costs, LTC may not be
necessary
-- Choose the right type and amount of care
-- Determine if your policy should kick in as an add on to your disability
policy
-- Know the carrier's history, choose one with the highest financial
rating and the lowest customer complaints
-- Will the carrier be in business when you need your benefits or have
they low balled the market to gain market share?
-- How many premium rate increases has the carrier sought in the last ten
years and why?
-- Understand your benefit categories
-- Be sure to understand in detail in your carrier's definition of the
activities of daily living (ADLs)
-- If you are wrongfully denied your benefits, know your legal rights and
remedies
-- Don't give up and find competent legal counsel

For more information see http://www.darrasnews.com or call 800-459-4577.

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Frank N. Darras
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SOURCE Frank N. Darras

Robin Nolan, +1-650-279-9512, robin@mcdavidpr.com, for Frank N. Darras