Does Long-Term Care Mix With Life Insurance? 
There are some life insurance policies that offer Long Term care benefits in the policy . However , they do not offer the same benefits as a stand alone Long Term Care policy . A good long term care policy will have 3 different benefits that include nursing home , assisted living and home healthcare . You will be able to use any of the 3 as the need arises . You can also decide the length of the benefit and the amount of the monthly benefit that you would receive . You should consider an inflation protection rider so the monthly benefits will grow over time . You may not need the benefits for 20 years or more and the cost of care keeps rising . In addition , someone in their 50 's will pay much less for the policy than if they wait until their 60 's . The earlier you get the policy the more you will save . 