There are several factors that should drive your decision.

• First, consider the geographic area where you will most likely be receiving long term care services. The cost for services is generally higher in metropolitan areas. Find the Cost of Care in Your Area.
• Second, consider how much money you can contribute from your savings to help cover the cost of care and how much you are able to afford in long term care benefit fees. You may be able to pay a portion of the cost of care in return for a lower coverage amount and lower premium. Calculate how much you might be able to self-fund.
• Finally, take into consideration the rising cost of medical expenses by carefully selecting an inflation protection option.