How Long Do You Need Long Term Care Insurance? 
Long Term Care insurance policies work for as long as there are benefits left in the policy . If you purchase a LTC policy with a three year coverage period , the benefits will quit paying after a qualified nursing home stay -LRB- or other covered type of care -RRB- of three years . If you purchase a policy with a lifetime benefit cap of $ 100,000 the policy will quit paying when the $ 100,000 has been all paid to you . Riders on life insurance policies that allow the death benefit to be used for long term care type needs run out when the amount allowed for that rider is used up . How long you need Long Term Care insurance to last can not be known in advance , but you can weigh out the premiums and features of the policy with your agent and come up with a policy that works for you . 