What To Look For When Buying Long Term Care Insurance? 
Some things to look for when buying long term care insurance are : 1 -RRB- whether it covers all levels of care , including care given at home or in an assisted living setting ; 2 -RRB- how many years the care will last , or what lump sum of money there is to cover care over the lifetime of the insured ; 3 -RRB- the daily benefit ... do you want the policy to cover all or part of what you might be charged for your long term care services ; 4 -RRB- the elimination period , coordinating it with days that might be paid for by Medicare , etc ; 5 -RRB- a home health care rider that allows you to receive those benefits from day one rather than wait for the elimination period to run out ; 6 -RRB- cost of living rider that will allow your benefit to go up as health care costs rise . 