Also be aware that costs vary tremendously from state to state and even within different counties and communities and nursing homes. Consider where you might retire and potentially purchasing coverage that reflects the locale. The longer the period of coverage paid by yourself, the less the cost of a policy. Obviously it depends on your budget, but simple math might help. Simply compare that against the higher costs of the 20 day elimination policy.
Men go into a nursing home and either get well or die.
So, if there is a relatively long period of time before supposed need, buy the compounding feature. Possibly the most important fact is whether or not there are others family or friends in the community that will partake in the part time care that is necessary to help keep you out of a nursing home. Could any of these be able to financially take off time from work to help you. Can they also afford to take the time off from their families. It is for these same reasons that the purchase of home health care ONLY is NOT recommended.