Nursing home coverage or custodial care coverage is extremely complex.

The three most important features to look at in a policy are:

1. What constitutes a qualifying illness
2. Whether or not the nursing home and at home coverage can be mixed, and
3. How the payments are made

If you can mix the benefits then the policy actually provides much broader coverage.

The payments are much more valuable if they can be made to a family member instead of only to a qualified facility. Also important is how a family member becomes qualified to receive these benefits. Some companies will not pay family members at all, others require them to be licensed in the medical field, and a few of the good ones will pay benefits to a family member under very liberal provisions.

As for what constitutes a qualifying illness, it varies from policy to policy. Many of them require that you are not able to perform ANY kind of duty, which pretty much excludes most forms of illness. There is not much point in paying for coverage that will not deliver benefits.

If you are interested in finding out more about nursing home coverage, the best way we can help you is to answer your questions directly.

You can either ask us a question via this web site by clicking here, or better still you can call us and speak to a human being at 1-800-259-7130 in the Continental US, or 914-949-9183 elsewhere.

The best quick advice we can give you here is:

1. Really do your research.
2. Every year shop your coverage around, prices vary a lot.
3. You get what you pay for. Don't necessarily get the cheapest, get the best or it won't pay when you need it.

Nursing home coverage or custodial care coverage is extremely complex.

The three most important features to look at in a policy are:

1. What constitutes a qualifying illness
2. Whether or not the nursing home and at home coverage can be mixed, and
3. How the payments are made

If you can mix the benefits then the policy actually provides much broader coverage.

The payments are much more valuable if they can be made to a family member instead of only to a qualified facility. Also important is how a family member becomes qualified to receive these benefits. Some companies will not pay family members at all, others require them to be licensed in the medical field, and a few of the good ones will pay benefits to a family member under very liberal provisions.

As for what constitutes a qualifying illness, it varies from policy to policy. Many of them require that you are not able to perform ANY kind of duty, which pretty much excludes most forms of illness. There is not much point in paying for coverage that will not deliver benefits.

If you are interested in finding out more about nursing home coverage, the best way we can help you is to answer your questions directly.

You can either ask us a question via this web site by clicking here, or better still you can call us and speak to a human being at 1-800-259-7130 in the Continental US, or 914-949-9183 elsewhere.

The best quick advice we can give you here is:

1. Really do your research.
2. Every year shop your coverage around, prices vary a lot.
3. You get what you pay for. Don't necessarily get the cheapest, get the best or it won't pay when you need it.