Long Term Care

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with daily living.  You can select a range of care options and benefits monetary sum paid by an insurance company to a recipient or to a care provider for services that the insurance policy covers. This allows you to get the services you need, where you need them.

The cost of your long-term care services and supports necessary to meet health or personal care needs over an extended period of time. policy is based on:

  • How old you are when you buy the policy
  • The maximum amount that a policy will pay per day
  • The maximum number of days (years) that a policy will pay
  • The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
  • Any optional benefits you choose, such as benefits that increase with inflation

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