What Are The Factors I Should Consider In Analyzing My Need For Coverage?

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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...

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UPDATED: Jul 15, 2021

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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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