What to Consider
You may want to consider a long-term care policy if you want to:

• Help preserve your financial independence and avoid relying on family or friends for support.
• Help protect the savings and investments you have spent a lifetime accumulating.
• Help keep your options open when long-term care is needed and maintain freedom of choice in determining how and where you receive care.

Once you have decided to purchase a long-term care policy, examine the policies available in your state and compare your needs with the benefits offered. For example, if you have a family member who is willing and able to provide your care, select a policy that has such a provision. Questions to consider include:

• Where would you like to receive your care?
• Whom would you like to provide it?
• Do you have any special needs to consider?
• What is your income level and source, and do you expect it to change?
• Will you require options for a spouse?

It is also important to be aware that your health may be evaluated in the application process. There are factors that can determine whether or not you will be approved for a policy. They can also impact the rates you will pay. These include:

• Your height/weight
• Your age
• Any medical conditions you may have
• Any treatments you may have had
• Any medications you may be taking