Personal Data

Basic personal information on your client is entered in the Personal Data section. A unique ID number is assigned to each new client, but you can overwrite it with a social security or other number if you prefer. Click anywhere on the screen clip for more information on a particular field or button.

Client address is optional, since it does not appear on any reports. Birthdate and health are required, as they are used in calculating premiums.

The Add Scenario button creates a duplicate of the currently displayed record, assigning it a new scenario letter. All client and insurance information is copied to the new scenario.

The Add New Client button creates a new, blank client record. Insurance and care information is set to default values specified elsewhere in the program.

Field Descriptions

	Insured ID #	The client id is automatically assigned when you create a new client record. The model assigns a unique sequential number to each client. If you prefer, you can change the client number to a social security number, or any other number you choose. If you do change the client number, do this immediately when you create the new client, before creating additional scenarios. If you do not, you will have to change the client number on every scenario you have created.  Back to screen
	Single Insured	The model computes economic impact on a couple, and therefore has space to enter information on two insured parties in each scenario. The Single Insured checkbox sets up a scenario without a second insured party. In a single insured scenario, the financial impact calculations end at the death of the insured. Those fields pertaining to the second insured are hidden when you check this box. Back to screen
	Name	The client name appears on all reports. If you are entering a scenario with two insured, you must enter both of their names. Back to screen
	Birthdate	Because it affects premium calculations and other model results, client age must be entered. Age is calculated automatically based on birthdate. Back to screen
	Health	Because it affects premium calculations, you must make a health selection for each insured. For an insured couple, you can make a different health selection for each of them. Health options are Preferred, Standard, and Rate-Up. Back to screen
	Address	If you do not maintain this information elsewhere, you can enter client address, phone number, fax number, and e-mail address into an optional section in the quick entry form. Since this information has no effect on the model results and does not appear in any reports, most users will not enter the information. Back to screen
	Add New Client	To enter information for a new client, click on the Add New Client button. The new client record will be created with default values that are preconfigured in the LTCia program. After creating the new client, enter personal information, and modify the model variables as needed. If you want to change the default variables for every new client you create, you can do this in the Program Options tab of the Detailed Entry Screen, using the Set Model Variable Defaults button. Back to screen
	Add New Scenario	Each time you create a new scenario for a particular client, it is assigned a new scenario letter. When you click on the Add Scenario button, the information from the current scenario is copied to the new scenario. You can then change health, care data, insurance data, and other planning options to create an alternative scenario for your client to consider. Information in the original scenario is not changed when you create the new scenario. Back to screen