What Happens To Long Term Care Insurance If Not Used? 
The long term care policy you have may have different provisions than others . There are multiple types of long term care contracts . However , a popular plan for a husband and wife will give the spouse free coverage for life after a period of time if the primary or husband dies . There are some policies with a beneficiary provision as well . Most long term care policies however just expire when the insureds die . This is part of the risk of owning a long term care policy . Statistically , there is a really good chance , especially females , that you will have a claim before you pass . 