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Long-term care insurance policies will continue to pay benefits for as long as you are receiving qualified care and as long as you have not yet reached the Policy Limit.

In other words, if you do not use all your Daily Benefit each day, what is not used is still available for future use.

For example, if your Daily Benefit has grown to $300 per day, but your care only costs $250 per day, the unused $50 can be used at a later date.

In this case, a policy with a 6-year Benefit Period could actually end up paying benefits for about 7 and a half years, because the unused $50 per day extends the amount of time before the policy has reached the Policy Limit.