Long Term Care services are very expensive.  Therefore, it is critical to truly understand not only the costs that your policy may require, but also the costs of nursing homes, etc., in your or your family members’ area. Quality nursing homes are almost always filled to capacity and they are consequently able to command a hefty fee for services.
However, home care is also expensive. Bringing a home health aide into your home every other day for a 4 hour visit can easily cost $1800 per month. When the home care approaches 8 hour visits every day, the costs rise to $7200 per month. At this point, the care recipient begins to receive facility based care simply for economic reasons.
Be sure to ask your insurance agent about all of the details when comparison shopping for a plan, as they can vary widely and be sure to inquire about their company's claims process. This is the most important aspect of a Long Term Care policy and yet the most ignored. Questions to ask would be as follows:

• Describe the carriers’ claims process?
• What percentage of claims that have been filed are paid?