Long-Term Care Insurance is still a relatively new type of insurance product and many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits and who needs to obtain coverage. Furthermore, some of the most important benefits of long-term care insurance have been clouded by vague or confusing descriptions and some long-term care facts have been poorly explained. As a result, many people do not have a clear and accurate understanding of the issues surrounding long-term care and long-term care insurance.

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