Compare What Is Covered

• The best long-term care insurance policies cover a wide variety of care options, including assisted living, home health care, nursing home care, and adult day care. Avoid any policy that only covers home health care or care in a facility, and not both.
  
  

Compare Payment of Benefits

• Benefits are based on the number of daily living activities you need assistance with; make sure your policy requires as few as possible. Benefits are calculated on a daily basis, so make sure the policies you are considering will pay benefits at a rate that will cover your daily health care expenses. Some policies have a cap on amount of benefits or number of years those benefits will be paid; look for the highest amount and longest period available.
  
  

Compare Premiums

• Premiums can change with long-term care policies, sometimes drastically. Check policies to see if they provide inflation protection.