Compare benefits, limitations of coverage, exclusions and premiums of the different policies. Check policies for the features described in our Guide to Long Term Care Insurance. Take the time to research costs and understand the policy. Call area nursing homes, home health agencies, senior centers and local area agencies on aging to find out the current costs of long term care. Ask your sales representative questions and take the time to fully understand the policy.
Some companies have a toll-free number to call for information.
Seek advice from others. Discuss the policy with friends and family members. Also, contact your state Senior Insurance Counseling Program. Make sure the application is filled out correctly. Understand the application process.