The prevailing wisdom is that long term care insurance claims don’t happen until well after traditional retirement age. Say, age 80+, or even 90+ if you’re lucky. And that’s true— usually. But let’s consider the exceptions. Imagine you’re 45, 55, or 65, and you just bought a long term care insurance policy.
Odds are that among all your friends, relatives, advisors, and colleagues, very few have ever talked with you about the importance of planning for a future care need. Can’t blame them— it’s definitely not the most exciting of topics. 
Imagine trying to design a home if you didn’t know the local building codes, zoning laws, what materials were available and what they cost, and how to get utilities to the property.
Whether you’re a new long term care insurance policyholder (congratulations!), or you’re a family member of a policyholder and you’re anticipating a need for that person’s care, this article can help you get your claim paid quickly and with minimal stress.
It’s frequently said that long term care is a women’s issue, and there’s a lot of evidence to support that point of view. Sixty percent of family caregivers (read: unpaid) are female.
Prospects of higher inflation may strike fear in the hearts of most people. However, long term care insurance policyholders may actually have quite a different reaction. Let me explain: 
Decades ago, when someone needed long term care, it would often be provided at home. The only other option was to move to a nursing home, which most believed was a choice of last resort.
If there’s a silver lining to the pandemic we’re all living through, it’s the spotlight on long term care. Families with loved ones in senior care homes, whether assisted living units, nursing homes, or other facilities, were confronted right from the start with difficulties previously not considered.
Once a year I report highlights from the annual “Milliman 