* Is there a spousal/partner discount?
* Can you hire caregivers privately as well as from an agency?
* Is the home care benefit based on a daily, weekly or monthly maximum, and if the benefit is not used can it be used in the future?
* Is there a "cash benefit" option?
* Can the premiums be paid with a "limited pay" plan, such as a 10-Pay program?
* Does it cover home care coordination?
* How many ADL’s does it take to trigger a claim?
* Is there a time limit for filing a claim?
* Does it cover the cost of Adult Day Care & Adult Day Health Care, hospice and respite programs?
* Is it a tax-qualified plan?
* Is the company highly rated and have they ever raised premiums?
* If you live in CA, CT, IN or NY, does the carrier offer a "Partnership Plan" allowing for retention of assets without spending down for Medicaid eligibility after the LTCi policy expires?
* Can you see the company’s published annual audit to check their track record for paying claims?

You can learn more about Jacqueline and find information about her book at ElderRage.com.