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FOR INSURANCE COMPARISON
Use this checklist when comparing the provisions of different insurance policies offering nursing home and long term care benefits. After filling in the particulars of the different policies, you can compare them to help determine which is the best policy for you. The policy that may seem the cheapest may, in fact, have inferior benefits.
| Service Covered |
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Policy 1 |
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Policy 2 |
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Policy 3 |
| Skilled Nursing Care |
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| Intermediate Nursing Care |
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| Custodial Care |
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| Home Care |
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| Other Community-based Care (such as adult day care, respite care, etc.) |
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| Daily Benefits |
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| Skilled Nursing Care |
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| Intermediate Nursing Care |
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| Custodial Care |
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| Home Care |
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| Other Community-based Care |
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| Coverage Length |
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| Skilled Nursing Care |
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| Intermediate Nursing Care |
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| Custodial Care |
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| Pre-Existing Conditions |
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| Elimination Period |
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| Exclusions |
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| Prior Hospitalization |
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| Skilled Nursing Care |
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| Intermediate Nursing Care |
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| Custodial Care |
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| Home Care |
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| Premium Structure |
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| Amount |
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$ |
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$ |
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$ |
| Waiver of Premiums? |
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| Age Limits |
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| Renewability Guaranteed? |
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| Current Cost of Feature |
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$ |
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$ |
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$ |
| Can Premium Increase? |
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| Insurance Company |
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| Licensed in this State? |
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| Size (Assets) |
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| Year Founded |
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| Year first writing this type of Insurance |
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