When you are reviewing a loved one’s policy or considering purchasing a policy for yourself, here is what to look for:

1. What criteria must be met to activate the long-term care benefits? For example,   the covered individual must require assistance with at least two activities of daily living such as help with bathing, walking, or transferring.
2. What is the daily/monthly benefit and how long does  it last?
3. What is the Elimination (waiting) period before benefits begin? Many plans usually have a 90-day elimination period.
4. Is there inflation protection? (Important if bought when the individual was young).
5. What are the covered services (in-home services vs facility costs)?
6. Are there Riders such as shared/couple benefits, return‑of‑premium, or life‑insurance hybrids?