Traditional Long Term Care policies work like most other insurance out there, be it auto, home, or life.  You pay into the policy, and when it comes time, the policy pays you.

You design the policies by choosing the daily or monthly maximum amount of coverage, the time (in years) for which you want to be covered, an elimination period, and whether you want the coverage to increase over time (inflation protection.)

Pricing depends on your age, health, sex, and marital status.  Please contact me for rates.