What Happens to Unused Long-Term Care Insurance?

Quick answer: What Happens To Unused Long Term Care Insurance affects roughly 1 in 4 adults in our practice. Effective treatment starts with a targeted diagnosis, conservative-first treatment, and escalation only when needed. We treat this regularly at our Howell and Bloomfield Hills practices. Call (810) 206-1402.

✅ Medically reviewed by Dr. Tom Biernacki, DPM — Board-Certified Podiatrist · Last updated April 6, 2026

What Happens to Unused Long-Term Care Insurance?

What Happens to Unused Long-Term Care Insurance? 👉What Happens to Unused Long-Term Care Insurance? There are options and plans to help with your new long-term care insurance!👈 What Happens to Unused Long-Term Care Insurance? Many long-term care insurance buyers die before making any claims under the policy. If they purchased traditional long-term care insurance coverage, they have paid their premiums without any financial benefit. There are other options to help you get more out of your policy. For example, policies with shared spousal benefits will allow a surviving spouse to use any new benefits. Return of premium policies offer another option to get benefits from new long-term care insurance policies, but they are significantly more expensive. Get Home Care Assistance in Michigan with Assisting Hands Home Care:

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👉– Shoes –👈 Our Recommended Shoes:

Podiatrist Recommended Shoes

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products/// 📢See a Physician!📢 See a Physician if you have a health issue. This information is NOT specific to your medical problem. If in Michigan, consider seeing us:

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Directions: https://g.page/r/Ca4Dg-JS_3XPEAE 👉– LINKS –👈 (With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!) 📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel! This is opinion only: Do not consider this video a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video. Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date, evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas. This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

Getting Expert Foot and Ankle Care in Michigan: Balance Foot & Ankle

Michigan patients with any foot or ankle concern — from chronic pain and structural deformity to wound care, nail problems, and sports injuries — can receive expert podiatric evaluation at Balance Foot & Ankle. Our fellowship-trained podiatric surgeons provide the full spectrum of podiatric care, combining conservative and surgical options tailored to each patient’s specific diagnosis, activity level, and treatment goals. We are in-network with major Michigan insurance plans including Blue Cross Blue Shield of Michigan, Aetna, UnitedHealthcare, Cigna, Medicare, and most Medicare Advantage plans. Both of our Michigan offices — Howell at 4330 E Grand River (serving Livingston County) and Bloomfield Hills at 43494 Woodward Ave #208 (serving Oakland County and northern Metro Detroit) — offer same-week new patient appointments, in-office digital X-ray, and dedicated parking. Michigan patients ready to address their foot or ankle problem can call (810) 206-1402 to schedule with Balance Foot & Ankle.

Michigan Podiatry: Connecting Whole-Body Health to Foot and Ankle Outcomes

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Related Treatment Guides

• Plantar Fasciitis & Heel Pain Treatment
• Custom 3D Orthotics
• Sports Foot & Ankle Injury Treatment
• Bunion Treatment

Foot and ankle health does not exist in isolation from the rest of the body — conditions including diabetes, peripheral arterial disease, obesity, rheumatoid arthritis, and gout have significant and direct effects on the foot. At Balance Foot & Ankle, we understand the intersection between systemic health and podiatric outcomes and coordinate with our patients’ primary care physicians, endocrinologists, rheumatologists, and vascular surgeons when managing complex conditions. Michigan patients managing chronic systemic conditions who have developed foot complications — neuropathy, circulatory insufficiency, inflammatory arthritis of the foot joints, or gout attacks — can receive coordinated podiatric care that integrates with their existing medical management. Our goal is to optimize foot function and prevent complications within the context of the patient’s overall health picture. Michigan patients with complex health histories affecting their foot and ankle health can call Balance Foot & Ankle at (810) 206-1402 to schedule at our Howell or Bloomfield Hills office.

Medical References & Sources

• American Podiatric Medical Association — Patient Education
• American Orthopaedic Foot & Ankle Society — Foot Conditions

Get Expert Help at Balance Foot & Ankle

If this condition is affecting your daily activities or hasn’t improved with home treatment, schedule an evaluation with Dr. Tom Biernacki. We offer same-day appointments at our Howell and Bloomfield Hills locations and accept most insurance including Medicare. Most patients are walking comfortably within 4-6 weeks of starting our protocol — conservative care first, surgery only when needed.

Call (248) 337-5500 or request an appointment online. Our team responds within 1 business hour during clinic days.

Visit Balance Foot & Ankle — Same-Day Appointments Available

Our podiatry team serves patients throughout Michigan including Howell, Brighton, and Bloomfield Hills. If you’re dealing with heel pain, ingrown toenails, or a foot injury, we have same-day appointment availability.

Frequently Asked Questions

When should I see a podiatrist?

If symptoms persist past 2 weeks, affect your normal activity, or are accompanied by red-flag symptoms (warmth, redness, swelling, inability to bear weight).

What does treatment cost?

Most diagnostic visits and conservative treatments are covered by Medicare and major insurers. Out-of-pocket costs vary by your specific plan.

How quickly can I get an appointment?

Most non-urgent cases see us within 5 business days. Urgent cases (sudden pain, possible fracture) typically same or next business day.