Quick Answer
This is a rider which can be purchased by a couple. If both spouses who own a Long-Term Care policy upon the death of one spouse, convert the policy of the surviving spouse to paid-up status.
Detailed Answer
This is a rider which can be purchased by a couple. If both spouses who own a Long-Term Care policy upon the death of one spouse, convert the policy of the surviving spouse to paid-up status. That is, the surviving spouse needs to pay no further premiums. This usually requires a higher premium for this option.
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