When does Long Term Care insurance come into play versus medical health insurance?
That's a great question. Every policy is different. I think that most have a checklist of daily chores that you need to be unable to complete to access the coverage. You should get a copy of the policy from your files, HR benefits contact or from the insurer and review it. Ask your agent to summarize it. Have a smart friend or relative take a look and If you have the means perhaps have an attorney decipher it if need be.
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