What Does Non Forfeiture Mean In Long Term Care Insurance? 
Non forfeiture in Long Term Care Insurance means that you can receive a reduced benefit if you drop the policy . It is usually equal to the premiums paid in . Contingent nonforfeiture is a reduced benefit received if you are unable to afford the premium because it went up beyond the level allowed by the NAIC -LRB- National Association of Insurance Commissioners -RRB- . 