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There are so many variations in long-term care insurance that after listening to a few salesmen and signing up for a policy you may do well to have it reviewed by someone with experience, perhaps an elder law attorney. Just like fire or car insurance, the time to examine the policy is before you need it. Examine the policy carefully during the 30-day review period. Ask a lot of questions.

Questions to ask when considering long-term care insurance

  1. Are you better off with a straight long-term care policy or with a hybrid or linked policy?
  2. Does it offer a long-term care rider or an accelerated death benefit for illness rider?
  3. What about a Texas long term-care partnership policy?
  4. Are premiums partly or wholly tax deductible?
  5. Are they guaranteed?
  6. What happens if you can no longer pay them? Is there lapse protection
  7. What is the qualifying length of a chronic illness?
  8. Does it provide for a recertification of benefits or a renewal of benefits?
  9. What benefits and expenses are covered?
  10. Does the policy pay for home health care and assisted living as well as nursing home benefits?
  11. What counts as a “day”? A “week”?
  12. Most long-term care policies are indemnity plans requiring a submission of receipts. Exactly what documentation is required? When?
  13. Does the premium cover you if you need it outside the U.S.? How?
  14. Some policies pay life insurance to the extent you do not need long-term care. You may want to put that payment into a trust, particularly if you have grandchildren. Can the policy be held by a trust?

To have your long-term care insurance policy reviewed by an experienced elder law attorney, contact The Garrett Law Firm. 1-800-295-3449.


Elder law attorney, Terry Garrett, is a member of the National Academy of Elder Law Attorneys and is active in the Texas and Austin Bar Associations. She graduated with honors from Cornell University. She was on the Dean’s List at Wharton Business School. She earned her J.D. at Columbia Law School, receiving the Parker Award and a Mellon Fellowship.

She assists families of people with special needs, people planning for the retirement years and people administering estates.

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