What Does Non Forfeiture Mean In Long Term Care Insurance? 
What does non-forfeiture mean in a Long Term Care Policy ? It means that if you no longer can afford the policy or find a new plan to purchase , that you are n't out prior premiums paid towards that coverage . This is really an important rider to select when purchasing a LTC policy . Down the road for what ever reason , you may want to drop that policy and purchase a new one . Knowing that you will receive your premiums back for care when you need it from your old policy can help you decide how long wait for payout on a new policy which helps with cost . 