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Long-Term Care Insurance 2.0: The Hybrid Policy

You have probably heard about the astronomical costs of long-term care such as nursing-home care if you become seriously ill or injured. It’s a common concern in my office – how will we pay for our care if we need long-term care due to illness or injury? You might already know that Medicare will only cover a minimal amount of those costs. Private long-term care (LTC) insurance doesn’t seem like a good bet either, if you’ve heard the stories about skyrocketing premium costs and difficulties in even obtaining LTC in the first place.  The LTC landscape has changed dramatically over the years since LTC insurance first became available.

There may be better options now. “Hybrid” policies essentially combine lif