This week, Mike in New Jersey asked how the elimination period works.  Is it cumulative? Do I have to pay it every time I access LTC benefits?  Diane affirms that many people are confused by the elimination period in a long term care insurance plan, and she shares how it is different than other deductibles used in other types of insurance.   We'll send Mike a gift to thank him for bringing important questions and answers to our listeners.  Ask your question  at so we can thank you, too.