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The Importance of Long Term Care Insurance

Understanding long term care insurance will help potential policyholders to see the benefits of being covered. Long term care insurance is specifically designed to cover LTC needs. This insurance product focuses on providing custodial assistance, particularly for activities of daily living (ADLs).

Defining Long Term Care Insurance

As compared to other insurance policies, long term care insurance is a policy that’s designed to pay for all levels of care and different long term care settings. Additionally, this kind of policy can be customized to fit to an individual’s circumstances (on how much care that person needs, and/or financial capability). AN LTCI also comes with riders, such as inflation protection, which allows a policy holder’s benefits to staying secured with the possible changes in costs that may occur over the years.

Please refer to Types of Long Term Care to find out which type LTCI will best suit your needs.