LTC insurance has helped many families, but problems exist. Understanding common issues helps you choose wisely and set realistic expectations.
Premium Increases
Many policyholders have faced 50-100%+ premium increases. Unlike life insurance, LTC premiums aren't guaranteed level.
Claims Challenges
- Disputes over whether benefit triggers are met
- Documentation requirements during difficult times
- Waiting periods before benefits begin
Policy Lapses
Some policyholders stop paying premiums after years of increases, losing all benefit value. This is a significant risk with traditional policies.
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