Don’t waste your money on extended care insurance. This is totally a scam. My parents have been paying for years on two policies. Now when we want to use the insurance it is all but useless. They have a 90 day elimination period for in-home care, and 100 day elimination period.
What means is we have to pay for the first 90 days of in home care, if my father survives and is not eliminated in 90 days then they will start paying… supposedly. This is insurance will not guarantee that you won’t go bankrupt from paying for extended health care. As it turns out the local non-profit hospice care will provide in home help at no charge so this policy is nothing but a rip off and waste of time and money.