Commentary: Despite changes, LTCI guards assets and offers choice

04/24/2013 | National Underwriter Life & Health

Long-term-care insurance has undergone major changes in recent months as carriers have increased rates and tightened underwriting standards, writes Carol Einhorn of Arbor Group. Despite these changes, LTCI remains a cost-effective means of protecting assets, Einhorn writes. Many newer LTCI policies offer enhanced benefits for relieving the burden of care for family members as well as flexibility regarding home and facility care, she writes.

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