Content Overview
- Summary
- Amount Of Coverage
- The Insurance Company's Financial Status And Claims Reputation/Service
- Amount Of The Premium
- Payment Options
- Whether The Policy Is Tax Qualified
- The Range Of Services Which Are Covered
- Where Services Can Be Provided
- Length Of Time Benefits Are Payable
- Waiver Of Premiums
- The Trigger For Qualifying For A Benefit
- The Waiting (Elimination) Period
- Renewability Provisions
- Inflation Adjustments
- Guranteed Purchase Option
- Notice Of Late Payment
- Non-Forfeiture Provisions
- For Married Couples And Domestic Partners: Shared Care, Survivorship Benefit
What To Look For When Purchasing A Long Term Care Insurance Policy
Where Services Can Be Provided
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Preferably, a Long Term Care Insurance policy will cover care in a variety of places. For example, in your home, community programs such as adult day care, assisted living facilities and nursing homes.
If you may want to live in a different area, for example to be closer to your children, be sure the policy covers care in that location as well.
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