Table of Contents

• About The NAIC
• Table of Contents
• About This Shopper’s Guide
• What is Long-Term Care?
• How Much Does Long-Term Care Cost?
• Medicare
• Medicaid
• Long Term Care Insurance
• Who May Need Long-Term Care?
• Do You Need Long Term Care Insurance?
• Is Long Term Care Insurance Right for You?
• Long Term Care Insurance Partnership Plans
• What Types of Policies Can I Buy?
• How Do Long Term Care Insurance Policies Work?
• Pooled Benefits and Joint Policies
• What Services Are Covered
• What Services Are Not Covered (Exclusions and Limitations)
• When You Are Eligible for Benefits (Benefit Triggers)?
• When Benefits Start (Elimination Period)
• What Happens When Long-Term Care Costs Rise (Inflation Protection)
• Additional Benefits
• What Happens If You Cannot Afford the Premiums Anymore?
• Will Your Health Affect Your Ability to Buy a Policy?
• Can You Renew Your Long-Term Care Insurance Policy?
• What Options Do I Have to Pay the Premiums on the Policy?
• What Shopping Tips Should You Keep in Mind?
• Rating Agencies
• References
• Long Term Care Glossary

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Long Term Care Shopper’s Guide Table of Contents