What Is A Good Long Term Care Insurance Policy? 
A good long term care policy should feel your specific needs in case of a long term illness or injury so severe that you are no longer able to work . Things to consider when shopping for long term disability plans are length of coverage , i.e. years benefits pay , plans can go to age 67 now . The elimination period which is the time length you can go without benefits , i.e. 30 days to 360 days . The benefits amount which is the amount paid to you on a monthly basis which can go up to 70 % of your current earnings . Riders to consider on your plan should be additional purchase option without proof of insurability , cost of living increases and return of premium in case you never use the coverage . I recommend using an experienced independent broker in order to navigate this maze of coverages in order to get the right plan at the best price . 