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Question 1 of 10 in How Much Do I Need |
What are the factors I should consider in analyzing my need for coverage? |
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1. Scope of facilities in which treatment must be performed (e.g. nursing home vs. assisted living)
2. Scope of "professionals" who can perform the care (e.g. nurses vs. aids.)
3. How benefits are paid: Reimbursement or indemnity
4. Maximum lifetime benefits
5. Maximum daily benefits
6. The conditions that "trigger" benefits
7.Elimination (or waiting) period before benefits begin
8. Inflation protection
9. Qualified or non-qualified policy
10. Discounts for husband and wife
11. Restoration of benefits
12. Waiver of premium if benefits are being paid
13. Nonforfeiture benefits if you stop paying premiums
14. Premium paying period
15. Respite care
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