We put together this blog post with links to resources to everything you need to know about long-term care insurance.

LongTermCare.gov on long-term care insurance:

• What is long-term care insurance?

• Limits on how long or how much LTC insurance providers will pay

• Asking LTC insurance providers for their premium rate history

The Balance provides tips on:

• Asking LTC provider if they cover cognitive impairments like Alzheimer’s and dementia

• Finding out the list of Activities of Daily Living that qualify for each plan

• Asking if premiums increase over time or remain constant?

• Activities of Daily Living requirements in order for you to receive a payout of benefits

• Asking if there is a cash value or option to cash out if coverage unused and if the policy pays dividends

• Comparing the cost of single coverage vs. shared coverage with a spouse

• Asking if there is inflation protection?

• Asking how payments work on a claim? What is the claims process?

NerdWallet explains the following about long-term care insurance:

• Why buy long-term care insurance?

• Companies that sell long-term care insurance

• How long-term care insurance works

• Cost of long-term care insurance

• Tax advantages of buying long-term care insurance

• How to buy long-term care insurance

• Understanding state ‘partnership’ plans

AARP on the things you should know about LTC insurance:

• Traditional policies have fewer fans

• You might not need insurance, but you need a plan

• There’s a new insurance in town

• But old-school policies are cheaper

• Speed and smart shopping pay off

Dave Ramsey on:

• What does long-term care insurance cover?

• Types of long-term care insurance

• When to buy long-term care insurance

The Motley Fool on:

• Why long-term care insurance could be a smart idea

• Long-term insurance isn’t cheap

• Things that can help keep LTC costs low

U.S. News & World Report on ten alternate ways to pay for long-term care:

• Group Long-Term Care Insurance

• Short-Term Care Insurance

• Life/Long-Term Care Insurance

• Health Savings Accounts

• Long-Term Care Annuities

• Life Plan Communities

• Veterans Benefits

• Home Equity

• Pensions or Social Security

• Medicaid

AARP on policy shopping:

• Ask your state insurance department for a list of companies approved to sell long-term care insurance policies in your state. Find out whether there were complaints about any of the companies that sold them.

• Check the stability of the company and be sure it has a long history with this type of insurance. You can check this information at websites for companies including Moody's Investors Service, Standard and Poor's, and A.M. Best.

• Compare information and costs from at least three major insurance companies. Find out how often and by how much the companies have increased their premiums.

• Get a written copy of any policy you're considering. Review it carefully, perhaps with the assistance of your attorney or financial adviser. Write out your questions, and have a representative of the insurance company respond to your questions in writing.

• Never let anyone pressure or scare you into making a quick decision.

• Never pay any insurance premium in cash, and always make your check payable to the company and not an individual.

• Nearly all states require insurance companies to give you 30 days to review your signed policy. During this time, you can return a policy for a full refund if you change your mind.

• Still have questions or concerns? Contact the agency listed for your state at the State Health Insurance Assistance Program (SHIP).

Photo by Nashua Volquez from Pexels