*** You will make more sales by simply asking, "Are you covered for Cancer?" Just asking your clients if they have these products will create sales, and sales equals more income. Just Ask! ***

I recently saw this statement on an insurance sales site, and it gave me chills. I once had a client who had insurance policies for both cancer and heart attack. She struggled to pay her premiums every month, and she eventually died of pneumonia after a stroke. She never got a penny from her "disease" policies.

Many seniors are vulnerable to a slick sales presentation. And the word "cancer" scares them. If you think your elder might be vulnerable to this kind of spiel please plan to have a talk with him or her.

The same goes for the various "Veterans' Life Insurance" companies selling term life insurance in magazines and on TV. Another of my clients purchased half a dozen of these policies before his wife realized he had dementia. The premiums were high, and the benefits were low. Eventually he forgot to make the payments and the policies lapsed. She found the policies when she finally went through his file cabinets. She collected not one dime.

The right insurance, for the right things and at the right price, is something everyone should have. The wrong insurance simply takes your money and provides very little in the way of a safety net. If you have concerns, check the mail and the checkbook.
 

Sudden and unexpected changes for the worse in personality or behavior, or sudden problems with incontinence, could be because of a urinary tract or kidney infection. Older people often show no other symptoms. If you can't find a good explanation for sudden behavior changes, a quick trip to the doctor for a urinalysis is probably in order.

"My father was injured in a car accident. I wouldn't trust our local hospital to take out a splinter. I asked the EMS to take him to a much better hospital only 3 miles further away. They did, and now Medicare won't pay."

"My wife had a stroke while she was visiting her sister. I want to bring her to a nursing home closer to me. The ambulance people tell me Medicare won't cover this."

"My husband is confined to bed and it hurts him terribly to sit up, so he can't use a wheelchair. The doctor wanted him to come in for some special tests so we used the ambulance. The driver said it would be covered, but now Medicare has denied us."

Medicare ambulance benefits, covered under Part B of traditional Medicare, are often confusing and hard to understand.

Here's a basic guide to understanding your ambulance benefits. This information applies to traditional Medicare only. If you are covered by a Medicare + Choice plan, other rules might apply:

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