Kiplinger

Long-Term Care: Other Coverage You Might Explore

isn't for everyone. About a third of applicants are rejected, and that number is 40% for people ages 65 to 69, says Tom Beauregard, founder of HCG Secure, in Goshen, Conn., which develops and sells long- and . "A good percentage are going to get rejected based on medical history, and a good percentage are going to look at the premiums and say, 'Well, ,'" says Beauregard. If you don't qualify for a plan or can't

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