What is Individual Long-Term Care Insurance?
Individual long-term care insurance covers the costs of services for daily activities or cognitive impairments, often associated with aging, chronic illnesses, or disabilities. Different policies offer benefit pools or daily/monthly benefits for various settings, such as assisted living or home care. When someone is unable to carry out certain tasks, they become eligible. Medical underwriting, elimination periods, and inflation protection are all possible features of the policy. Benefits from taxes, such as deductible premiums, may apply. It is important to choose long-term care insurance by being aware of the policy terms and seeking professional advice.
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