1. What services are covered?
- Skilled care
- Intermediate care
- Custodial care
- Home health care
- Other care
2. How much does the policy pay per day for:
- Skilled care
- Home health care
- Intermediate care
- Custodial care
- Other care
3. Does the policy offer a means for increasing benefits to account for expected future costs? If so, how? Is there an additional premium?
4. Does the policy have a maximum lifetime benefit? If so, what is it?
- Nursing home
- Home health care
5. Does the policy have a maximum length of coverage per "spell of illness" or maximum benefit period? If so, what is it?
- Nursing home
- Home health care
6. How long do I have to wait before pre-existing conditions are covered?
7. How long do I have to pay, out of pocket, before the policy benefits begin? (This amount of time is known as "the waiting period.")
8. Does the policy require:
- Physician certificate of need
- A functional assessment
- A prior hospital stay for a nursing home or home health care
- A prior nursing home stay for home health care
- Other
9. Can the policy be canceled?
10. Will the policy cover you if you move to another area?
11. What is the age range for enrollment?
12. What does the policy cost? Per month? Per year?
13. Is the policy a "qualified" long-term care insurance contract?
