The potential for disability or major, ongoing illness is financially daunting. For that reason, many people purchase long term care insurance. This type of health policy provides a major, ongoing benefit in the event of an ongoing illness or disability. Premiums for such policies may be quite expensive and people are advised to purchase them when younger, since the price is lower when someone is young and in good health. Long term care insurance provides a benefit in the same way as other health policies. Therefore, one must still establish that there is an injury or illness and that it is covered by the policy.

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