If youve determined which long term care insurance options best meet your needs and youre ready to buy a policy do the following ask your state insurance department for a list of companies approved to sell long term care insurance policies in your state find out whether there were complaints about any of the companies that sold them. Learn to navigate long term care its costs shifting coverage options and insurance policy features. Policy options for long term care david m cutler louise m sheiner nber working paper no 4302 issued in march 1993 nber programsaging health care public economics. 1 hybrid long term care policies merge traditional long term care insurance with life insurance while offering a return of the premium the advantage of a hybrid policy is that it offers a benefit whether you need long term care pass away or discontinue the policy and want your premiums back. Long term care ltc insurance is coverage that provides nursing home care home health care personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision ltc insurance offers more flexibility and options than many public assistance programs
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