How Long Does Long Term Care Insurance Last? 
Long-Term Care insurance with most major carriers has many variables and options , one of which is the number of months/years of the benefit period . It is very important to understand exactly how the benefit period is determined , with the major difference being whether the benefits is based on daily benefits or monthly benefits . If your policy has monthly benefits , you have more flexibility in how you can use the benefits especially in regards to home health care . And if you do n't use all of your monthly benefit amount , the months/years of the policy can be extended out to last longer . 