Long-Term Care Insurance policies have many components that create comprehensive coverage. This article explains how each part of a policy works, from benefits and elimination periods to claims and insurance riders.
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Browse our full library of articles, tools, and helpful links designed to support your long-term care planning. Use the filters to narrow your results by topic, category, or care type so you can quickly find the information that matters most.
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October 19th, 2020
Best and Worse Places in U.S. for Well-Being
There are many communities in the U.S. that have an excellent "wellness score." Many seek to find places to retire so they can relax and enjoy life. But, longevity brings a higher risk of long-term care.
Government
September 21st, 2021
Bipartisan Commission Reports LTC Costs Rising
The cost of long-term health care services is rising faster than the inflation rate according to a new report. Increasing demand for care and higher labor costs will place more financial burden on American families.
People
September 29th, 2021
Alan Jackson Reveals His Neurological Disease
Alan Jackson has revealed he has been suffering from Charcot-Marie-Tooth disease. Will his condition affect his future independence as he gets older?
Lifestyle
November 29th, 2025
Redefining Senior Style: Fashion Tips for a Sophisticated Look
Embracing senior style means blending comfort with elegance, creating a sophisticated look that reflects personal taste and lifestyle. Incorporating classic, well-fitted pieces with a touch of modern flair can elevate the fashion sense of any senior, making them feel confident and stylish at any age.
Indemnity Benefit
This is a fixed amount of money paid to a policyholder when care is received, regardless of the cost of care. A policy with a $100 a day Indemnity Benefit will pay $100 a day for each day you qualify for care regardless of the expense incurred.
Homecare
February 18th, 2020
Adult Caregivers Undertrained and Overwhelmed
Longevity means more American families have to address a loved one with long-term care. Often, with no advance plan, a daughter becomes a caregiver. This creates a family crisis.
Lifestyle
July 6th, 2022
Communication is Key for Your Family - Not Just TV Families
How is your family dealing with difficult life situations? No matter what your family looks like, communication will make it stronger. On CBS-TV's Blue Bloods, this communication centers on Sunday Dinner. How about your family?
Lifestyle
April 25th, 2018
Harry Jackson's Flag
How much attention do we pay to elder family and neighbors? This story reminds us how important they are and the stories they share. It's a reminder to plan for our own retirement and the impact aging and health can have on our family.
Independent Long-Term Care Insurance brokers and captive agents differ in some key ways, such as their independence, responsibility to the client, number of LTC Insurance options they can offer, and the restrictions placed on their ongoing relationship with the client.
Homecare
July 18th, 2021
Getting Mad at Parents for Getting Older
The role reversal for a parent caring for a child and child caring for a parent creates stress, burden, pressure, and even anger. Planning will help loved ones have time to be family.
Ancillary Services
In a Long-Term Care policy, it is coverage for items like physical, occupational, speech and respiratory therapies, wound care, medication management, supplies.