The producer identifies the current cost of a nursing home most likely to satisfy the client. For example, a client without dependents might only want enough coverage to supplement existing income. Some people prefer Nursing Home Only policies. However, most people prefer policies which also cover Home Care. Fitting the Need Basic Policy Provisions are an important baseline for suitability.
Most policies pay if two ADL deficiencies exist.
If not, a '2 ADL' policy might, in practice, not honor a claim until 3 ADLs are lost. Similarly, policies which cover Home Modification can help clients stay at home which can 'save' coverage as well. Because Home Care is frequently received less often than daily, claimants might find that daily maximums provide less coverage than they thought. Such customization can also be critical to fine-tune a policy for affordability. A customer may have enough assets to afford a long EP and be willing to take that risk.