How To Select Long Term Care Insurance? 
First research your states long term care -LRB- LTC -RRB- facility cost to establish a base line . Then determine the projected cost based into the future on the last five years . Then begin the due care examination of long term care policy provisions , especially the most liberal inflation rider . There are only a half dozen LTC insurance companies , so obtaining a spreadsheet on premium and provision with definitions is a key to comparing companies side by side . A universal selection that could be a reference point for your research would be Genworth . 