In the last few years there have been some improvements, but it is still very important to shop carefully when considering long-term care insurance. Be sure that policy coverage is adequate.
Some policies only cover licensed nursing homes.
You should be sure that your policy covers skilled, intermediate and custodial care. If another level or care such as home health care or adult day care is desired in place of or in addition to other types of care, make sure the policy provides for it. Watch for restrictions, many of which are common. Make sure benefits are in line with local nursing home and home care costs. The policy should also provide some manner for inflation protection, even if the premium is raise proportionately.