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What are the factors I should consider in analyzing my need for coverage?

1. Scope of facilities in which treatment must be performed (e.g. nursing home vs. assisted living)

2. Scope of "professionals" who can perform the care (e.g. nurses vs. aids.)

3. How benefits are paid: Reimbursement or indemnity

4. Maximum lifetime benefits

5. Maximum daily benefits

6. The conditions that "trigger" benefits

7.Elimination (or waiting) period before benefits begin

8. Inflation protection

9. Qualified or non-qualified policy

10. Discounts for husband and wife

11. Restoration of benefits

12. Waiver of premium if benefits are being paid

13. Nonforfeiture benefits if you stop paying premiums

14. Premium paying period

15. Respite care

Use the menu below to view more about How Much Do I Need

  How Much Do I Need

What Are The Factors I Should Consider In Analyzing My Need For Coverage?
Is There A Certain Amount I Should Buy?
Now That I Know What To Consider, How Do I Determine What To Buy?
What If I Have Enough Saved To Pay For Extensive Long Term Care?
Can Anyone Who Can Afford It Buy A Long Term Care Policy?
My Only Source Of Income Is Social Security. Should I Buy A Long Term Care Policy?
My Mother Has Early Onset Parkinson’s Disease. Will She Be Able To Purchase A Policy?
Do Plans Offer Unlimited Lifetime Benefits?
Do I Need Multiple Policies To Get Enough Coverage?
Suppose I Buy At Age 45, Won't I Be Paying More In Premiums Than I Might Ever Get In Benefits?
  


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