Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jul 25, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Shopping for a long term care insurance policy can quickly become confusing and overwhelming. If you don’t approach the process with an organized plan, you are likely to take the easy way and go with the product sold by the agent with the best sales pitch, or you may give up without buying a policy. Neither is a good choice.

The three worksheets below provide most, if not all, of the questions you should be asking regarding long term care. The worksheets also provide space to record the answers for all of the policies you may be considering, whether with the same company or with competing companies. This will provide you with a clear picture of the differences between the policies you are considering, which should make your decision easier. 

You may wish to modify this form and add questions of your own. The point is it does provide a useful starting point to help you make this very important decision.

Insurance company
information
Policy #1 Policy #2

1. Name of insurance
company

2. Is the company licensed in your state?

3. Name
of insurance agent

4. Is the agent properly licensed?

5.
Insurance company financial ratings

(such as: A.M. Best; Moody’s;

Standard $ Poor’s; Weiss)

Levels of care covered by the policy

6. Does the policy provide benefits for these levels of care? a.
Skilled nursing care? ___________ ___________

b. Personal/Custodial care?
___________ ___________

(In many states, both level of care are required.)

7. Does the policy pay for any nursing home stay, no matter what level of care
you receive?

8. If not, what levels are not covered?

Where can you receive covered care?

9. Does the
policy pay for care in any licensed facility?

10. If not, what does it not pay
for?

11. Does the policy provide home care benefits for:

a. Skilled nursing care?

b. Personal care given by home health
aides?

c. Homemaker services?

d.
Other__________________ ?

12. Does the policy pay for care
received in:

a. Adult day care centers?

b.
Assisted living facilities?

c. Other settings: _________________