What Happens To Long Term Care Insurance If Not Used? 
Many people balk at the idea of paying for coverage they may never use . Long term care premiums can be very expensive , so this is a common objection and concern . You may want to consider a return of premium rider . You pay extra for the option , but it addresses the concern you raise . If you do not need long term care , the policy will return a portion of your premiums . Most carriers provide this optional rider , which all work differently . Contact an experienced agent who works primarily with this type of policy for help guiding you through the options . 