Comparing Long Term Care Insurance Policies and Insurers

When comparing long term care insurance policies and insures, the most important factors to consider are the type of policy offered and the company stability. Individual stand-alone, comprehensive long term care insurance policies represent the bulk of policies sold. These plans cover most long-term care services and are usually purchased with monthly, quarterly, semiannual or annual premiums, which are paid for the life of the insured. Abbreviated payment options are also available with policies fully paid up after 10 years or to age 65. Comprehensive stand-alone policies are very much like the typical modern group or individual health insurance policy. They try to cover as many different care alternatives as possible.

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