Is Long-Term Care Insurance Worth It?
Who long-term care insurance fits, who it doesn't, what care actually costs, and how to decide whether coverage makes sense for you.
Read the article
How Does Long-Term Care Insurance Work?
How long-term care insurance works: when benefits start, how they're paid, and how traditional, hybrid life, and hybrid annuity policies differ.
Read the article
Can Long-Term Care Insurance Pay a Family Member as a Caregiver?
Some long-term care policies can pay a family member to provide care. Here's how it works, what's required, and what to discuss first.
Read the article
What Happens If I Never Need Long-Term Care?
What happens to your premiums if you never need care, and how linked-benefit policies pay a death benefit instead.
Read the article
What Is Long-Term Care, and Who Needs It?
What long-term care includes, where it happens, who provides it, and how likely you are to need it.
Read the article
What Happens When You File a Long-Term Care Insurance Claim?
What starts a long-term care insurance claim, how the elimination period works, how benefits are paid, and what happens after.
Read the article
Not Your Parent’s Long-Term Care Policy: What’s Changed and What Hasn’t
How long-term care insurance has changed since your parent’s era: what’s different, what hasn’t, and what to do if your parent has an older policy.
Read the article
Does Medicare Cover Long-Term Care?
Medicare covers short-term skilled care, not ongoing help with daily living. Here's what it pays for, what it doesn't, and how people plan for the gap.
Read the article
Long-Term Care Insurance vs. Medicaid: What’s the Difference?
Medicaid pays for long-term care after you spend down your assets. Long-term care insurance is bought in advance. Here's how they compare.
Read the article
Planning Ahead for Cognitive Decline: What to Put in Place Now
How to plan ahead for cognitive decline: naming decision-makers, recording your wishes, and deciding how you'd pay for care.
Read the article
Agent or Insurance Company? Who Does What With Your Long-Term Care Policy
How an independent insurance agent and an insurance company differ: who issues your policy, who pays claims, how agents are paid, and what to ask.
Read the article