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Newer policies may offer equal coverage for in home and SNF care.
Of course, no one will issue you new coverage if you already need or expect to need care.
Like most insurance you have to read the policy. Get one that fits with what you want.
One thing to consider is your home. Is it actually able to allow you to remain in the home SAFELY if equipment has to be used? Are there stairs? Wide hallways? Wide doorways? Large bathroom that can or is handicap accessible?
The next hurdle is expense. All Long Term Insurance Policies are expensive. The younger you are when you purchase the better. And missing but 1 payment will generally end the policy.
And look into policies that IF home care (or any care) is not needed the money that has been paid into the policy reverts to a Life Insurance so beneficiaries benefit from any value. (as I asked the person selling me my policy...I am standing by my mailbox mailing my payment...a car hits me and kills me...I no longer need the LTC what happens to all that money...?
Daddy bought one so we wouldn't have to take care of mom. It wasn't a great one, and it didn't matter b/c she never allowed any CG's to come in her place to help her. She also didn't use it the one time she was in rehab.
IDK, personally, haven't looked into one, but at age 66, I imagine that one for me would be pretty expensive.
There may be some that have a 'cash out' amount available if not used, but if so, I don't know of it.
I'm looking for insurance
for those first 90 days, before LTC kicks in.