Sherry in Texas asked if there is a time limit to use the benefits once her LTC policy is activated.  That depends on how much insurance you own and how it is designed.  You can use the Genworth Cost of Care website to help determine how much insurance will work best to both compliment and protect your retirement savings.  You can find the chart at Schedule a meeting with me to design YOUR LTC plan at   LTC insurance is like a coupon to reduce your out of pocket expenses for LTC needs.  The insurance pays first and then you'll use your income to pay the balance.   You and your family control how long the benefits will last based on your needs.  Contact us to design a plan that meets your specific needs.