I've just spent 3 months studying this topic. A broker we worked with found the best policy for us, one which pays cash direct to us monthly, once we qualify, and does not require us to continue to fill out forms to continue to receive benefits. The benefits are not restricted to a specific kind of care, such as home care, assisted living, etc. They are simply cash payments (hooray). Mutual of Omaha had the best of this type of policy.
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