Does Long-Term Care Mix With Life Insurance? 
Yes , getting Long Term Care Insurance along with Life Insurance is very common . Some Life Insurance Plans even offer `` living benefits '' that allow you to take part of the face amount in cash to use for long term care purposes . To take advantage of that feature , you would need to be unable to do two or more ADL 's , plus whatever criteria is stated in the policy . The death benefit would then be reduced by that amount , or a factor of that amount . 