Emily in MIchigan has a cash indemnity LTC plan.  She asked, "Do they just keep paying until the benefits are all used or can she stop the payments mid-stream if care is no longer needed?"  Indemnity plans simply pay the maximum benefit each month without any need for invoices to be submitted, so how will they know to stop paying?  Diane shares some key differences in how both reimbursement and indemnity  LTC plans work.  Let's talk and find out which may work best to protect your family, assets and choices.   You can schedule time to design your plan to protect your family at   I'm glad to help!