Câu hỏi thường gặp

The maximum daily or monthly amount your policy will provide toward the cost of long-term care.

Benefit cap: The maximum benefit amount available under a policy (e.g., $360,000).

The waiting period before benefits are paid (e.g., 90 days). Opting for a longer waiting period is a good way to lower your premium cost.

A provision that helps benefits keep pace with the increasing cost of care. See chart below.

A provision that allows a couple to share benefits between their policies. For example, if they each have $250,000 of benefits but one partner exhausts his or her entire benefit, that partner can begin drawing on benefits from the other partner’s policy.

You pay higher premiums for a set number of years (usually 10 years or to a certain age, such as 65) and once you reach that final payment, your policy is fully paid up. This allows for people to pay more premiums during their peak earning years, and is a popular option among business owners.