Usually, eligibility for benefits under a Long Term Care policy begins when you can’t do at least two of six “activities for daily living” (ADLs) .

The activities of daily living are bathing, caring for incontinence, dressing, eating, using the toilet, and getting in or out of bed or a chair.

Rates for Long Term Care insurance rely heavily upon each individual. Factors such as age, health, gender, marital status and more all play a role in determining your rate.