Additional features, such as a non-forfeiture benefit, will increase the premium. Purchasing a policy through a group offering such as through your employer or an association could decrease the premium. An individual policyholder cannot be singled out for a premium increase. Premiums for that policy are not illustrated here. Everyone is potentially at risk.
Women are at a higher risk than men.
These statistics are just for nursing facility care. The majority of people receive care at home. The Risk of Nursing Home Use in Later Life , Medical Care , October 1990. 2 P. Kemper and C.M. Murtaugh, Lifetime Use of Nursing Home Care , The New England Journal of Medicine , February 28, 1991. Home Care can be just as expensive , depending on the frequency and type of services required.