Welcome to season 3!!!! Steven in New Jersey asked about contingent non-forfeiture. He wants to know if every LTC plan has it. Diane shares what both the contingent NF rider is as well as the optional NF rider that you can add to a traditional Tax-Qualified LTC plan. Hybrid or linked benefit plans have a cash surrender value rather than non-forfeiture. Listen and learn how they differ, and how this all works when used.