There are some important exclusions to consider when applying for coverage. Read your enrollment packet carefully to ensure that you understand the limits of this coverage. This involves a simplified employee health questionaire. Additional health questions are required for dependent applications. After open enrollment is over, you and your dependents may still apply for insurance, however normal health underwriting will apply.
Premiums are specific to the individual.
Part One , and Part Two . Long Term Care Insurance - Special Report. This is available at your local library, or can be viewed on-line for a fee at the Consumer Reports website.