Insurance Solutions: Plan Well, Live Better - People with Chronic Disease and Disability Book

	Introduction	1
	What the Financial Planners Didn't Tell You	1
	Key Concepts	4
1.	Everybody Should Plan	4
2.	Risk Planning Principle	4
3.	Everybody Has A Plan	4
4.	It Matters Who the Underwriting Insurance Company Is	4
5.	It Matters When You Were Born	6
6.	What Really Matters Is Keeping Your Own Cash	6
6.	Your Premium Is Not Your Whole Cost of Protection	7
Exercise #1	Catalog Your Present Insurance Coverage	9
	Life Insurance Policy Worksheet Instructions	11
	Life Insurance Policy Worksheet	13
	Term Life Insurance Policy Imaged Example	14
	Term Life Insurance Policy Worksheet Example	15
	Disability Insurance Policy Worksheet Instructions	28
	Disability Insurance Policy Worksheet	31
	Disability Insurance Policy Imaged Example	32
	Indemnity Major Medical & Hospitalization Health Insurance Worksheet Instructions	47
	Health Insurance Policy Worksheet: Indemnity Major Medical & Hospitalization (Part A)	49
	Health Insurance Policy Imaged Example	50
	Health Insurance Policy Evaluation: Indemnity Major Medical & Hospitalization (Part B)	63
	Self-Insured Employer & HMO Plan Health Insurance Worksheet Instructions	64
	Health Insurance Policy Worksheet: Self-Insured Employer & HMO Plan (Part A)	66
	Health Insurance Policy Evaluation: Self-Insured Employer & HMO Plan (Part B)	67
	Health Insurance Policy Worksheet: Medicare (Traditional)	69
	Medigap Policy Federal Requirements (Summary)	70
	Long Term Care Policy Worksheet Instructions	71
	Long-Term Care Policy Worksheet	73
	Long Term Care Policy Evaluation	75
Exercise #2	Creating the Spreadsheets	77
	Life Insurance Spreadsheet Instructions	77
	Life Insurance Spreadsheet	79
	Disability Insurance Spreadsheet Instructions	81
	Disability Insurance Spreadsheet	83
	Health Insurance Spreadsheet Instructions	85
	Health Insurance Spreadsheet	86
	Long-Term Care Insurance Spreadsheet Instructions	88
	Long-Term Care Spreadsheet	89
Exercise #3	Evaluate and Analyze Your Insurance Needs	91
	Evaluation of Insurance Coverage by Risk Category	94
	Analyzing Insurance Coverage Needs by Risk Category and Evaluation Instructions	100
Category 1	Income Loss Due to Chronic Illness During Elimination Period of Disability Insurance Plan	100
Category 2	Income Loss Due to Chronic Illness During First Five Months of Disability	101
Category 3	Income Loss Due to Chronic Illness After 6 Months of Disability If Not Eligible for SSDI	102
	Disability Needs Estimator	104
Category 4	Income Loss Due to Chronic Illness After 6 Months of Disability If Eligible for SSDI	105
Category 5	Income Loss During Subsequent Periods If Disability Policy Has Further Definition of Disability	105
Categories 6 and 9	Income Loss To Dependents Following Death	106
	Comprehensive Life Insurance Estimator	108
Category 7	Income Loss or Need for Additional Income Due to Disability of Spouse	114
Category 8	Income Loss Due to Unemployment of Spouse of Person With Chronic Illness or Disability	114
Category 9	Spouse Life Insurance	115
Categories 10 & 11	Risk of Inflation During Periods of Disability	115
Category 12	Health Expenses for Chronic Illness/Disability After Diagnosis and During Employment	115
Category 13	Health Expenses After Employment Ceases Due to Disability If SSDI Eligible	117
Category 14	Health Expenses After Employment Ceases Due to Disability If Not SSDI Eligible	118
Category 15	Health Expenses After Retirement If Social Security Retirement Eligible	119
Category 16	Health Expenses After Retirement If Neither Social Security Retirement Nor Medicaid Eligible	119
Category 17	Long-Term Care If Family Cannot Provide Care	120
	Action Plan	122
	Disability Insurance	122
	Credit Life and Disability Insurance	125
	Life Insurance	127
	Convert Existing Term Policies	127
	Obtain As Many Group Memberships as Possible with "Guaranteed Issue" Group Life Insurance	128
	Health Insurance	128
	Catastrophic or "Excess" Major Medical Plans	131
	Catastrophic Health Insurance Use Examples	132
	Hospital Indemnity Insurance	134
	Long Term Care Insurance	135
	Reverse Mortgage	135
	Additional Considerations	136
	Resources	137
	Insurance Rating Agencies	137
	Organizations	137
	Magazines	138
	Books	139
	Websites	139
	Appendices	141