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A quick excerpt from one of our many articles...just one way we empower the long term care insurance shopper.     
 More articles available at our

from "How much Long Term Care is enough?"

...Long term care benefits are generally built around a certain amount of money the LTC carrier will pay or reimburse per day for a period of time, after a waiting period.  Let's break this down a little.   Going backwards, let's start with the waiting period.  The waiting periods usually range from 0 days to 100 days.   The longer the waiting period, the less expensive the coveage.  As an example, if we trigger the benefits on Jan 1st and we have selected a 90 waiting period, the Long term care insurance carrier will start paying a daily amount on April 1st (or there abouts).  Next the period of time aspect.  At the time of enrollment, you select a period of time during which you'll receive the daily benefit.  For example, if you select 3 years, the daily benefit will be paid starting April 1st in the above example for up to 3 years (as long as benefits remained triggered).  Finally, the easiest part.  Long Term Care is built around a daily benefit.  Why daily??  Well, a time element is built right into the name of the coverage.  "Long Term" establishes that care is needed for a period of time and the daily amount is the best approach.  How much daily amount should we choose?...

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