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What should I look for in a Long-Term Care Insurance company?

Answer:

Look beyond the premium. Compare the insurer's financial-strength ratings, benefit options, inflation protection, home-care coverage, elimination-period rules, shared-care options for couples, claims process and underwriting guidelines. The best company for one person may not be the best company for another because health, age, state and desired benefits can affect both eligibility and cost.

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Use our Cost of Care Calculator to compare current and future costs of long term care services with estimates tailored to your selected location.

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