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The short answer to this question is, the month before you need to make a claim!

But since non

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

e of us have a crystal ball to tell us when we will be having a stroke or heart attack, or be d

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

agnosed with a debilitating disease such as multiple sclerosis, Parkinsons or Alzheimers, we si

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ply can't rely on waiting till the last minute to buy long term care insurance.

The truth is t

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

at anyone, at any age, can have an unexpected accident or change in their health that they coul

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

d not possibly have foreseen that will require long term care. A couple of well-known examples

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

f such a situation is Christopher Reeve and Michael J. Fox.

Unfortunately, many think of long

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

erm care insurance as protection that is mainly for older folks. But that is simply not the cas

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

. In fact, almost 40% of those receiving long term care are under 65 years of age, testifying t

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

o the unpredictability of such a need arising at almost any age.

So, the best age to purchase

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

TCi is at the earliest age that you:

1. can comfortably afford the premium.

2. have enough in

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ome and/or assets to protect that it justifies the cost of the policy.

Another sound reason fo

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

getting long term care insurance earlier in life is that the premiums are much less and you wi

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ll most likely easily qualify for coverage, perhaps even at a preferred rate that will save you

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

considerable amounts of money throughout the life of the policy. Unfortunately, as we age, most

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

people stand a higher risk of developing health conditions that could cause them to become unin

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

urable at some point, or at least drive up the cost of a good long term care insurance policy s

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ubstantially.

And since the cost of long term care is not covered by medical health insurance,

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

it only makes sense to protect your assets against one of the most devastating threats to your

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

ersonal finances. So the earlier you get coverage for long term care, the better, in most cases

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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