Over the last couple of months, I've been helping a women get her LTC claim approved so she won't have to face a rate increase that is scheduled in February 2023. She clearly needs help and can qualify for benefits, but she was using the wrong language. Listen to her story, and learn from her prior mistakes. What do you need to know? 1) Don't just accept what an agent tells you about the policy.  Instead, read the policy and ask questions.  Make sure the person helping you design an implement a plan is a LTC specialist and will be able to help you through this journey, long past the sale. 2) Review your policy every few years, preferably with your family, so you all understand how and when it works 3) Review the policy language and use that language when opening a claim to get a quicker approval When you are ready to start designing a plan to protect your family, schedule a phone or zoom meeting with me so we can do it right the first time.