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that you choose a daily benefit that is in line with, or close to, where you would like to go. Choosing too much coverage will only increase your cost, but choosing too little coverage may not allow you to go to the facility you would normally choose.

You should also pick a policy that allows for more than one type of coverage. By being able to choose from different levels of care, and having that care covered, you will eliminate the possible headaches and heartaches that go along with long-term care. Besides, what good would your policy be if it only covered skilled nursing home care and you only needed intermediate care?

Cognitive Disorders Most insurance policies will cover nursing home stays for people who suffer from a cognitive impairment. This is defined as the dete- rioration or loss in intellectual capacity and is measured by clinical evidence and standardized tests that reliably measure the impairment of short-term and long-term memory; orientation as to person, place and time; and deductive or abstract reasoning. An example of a cog- nitive disorder is Alzheimer’s Disease.

However, there are times when a person needs long-term care due to a cognitive impairment that wouldn’t be covered. Some insurance policies specifically say that they won’t cover any care given if the cause isn’t clinically named, while other policies will cover that type of care. For example, let’s assume that Mary and Jim Client have been married for 50 years. Mary becomes ill and passes away. Jim begins deteriorating very quickly and his doctor determines that he would be better off if he lived in a nursing home or had some type of full-time home care. However, there is no specific name for what Jim is suffering from. It’s not Alzheimer’s or Parkinson’s disease. Because there is no name for what Jim is suffering from (although some would chalk it up to a broken heart), most long-term care poli- cies wouldn’t cover Jim’s expenses.

But there are some policies that do cover these types of impair- ments. The preceding example is just that: an example. There are many other types of afflictions (those which don’t have medical names) that could occur causing you to need some sort of long-term care. Your insurance coverage would then be obsolete because your

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