So, how do I find out if LTCI is for me?
LTCI is not for everyone. Some people may not qualify for the coverage (there is a health qualification process) and some may feel the premiums are unaffordable (although that is often a misconception remedied by the flexibility in designing coverage).
To find out if it’s right for you, meet with an LTCI specialist who can walk you through the underwriting process. Then you may be able to tailor a policy to meet both your needs and budget. If nothing else, you’ll at least know if LTCI is even an option for you.