 
Health Insurance California >> Long Term Care >> Know before Buying Long Term Insurance Questions to be asked before buying long-term care insurance • Has this company increased insurance premiums on policies it has sold to other consumers in California or in other states? • How long this company is selling long-term care insurance? • What Nursing Homes, RCFEs and Home Care providers are near my home and covered by the insurance policy? • What are my choices for: Daily Maximum, Lifetime Maximum, Elimination Period or Inflation Protection? • If the insurance policy requires an Elimination Period, do I have to meet it only once, or more than once during my lifetime? • May I hire anyone I choose to provide personal care and Homemaker Services under this long-term care insurance policy? If not, what are the qualifications that care providers must meet? • If the policy waives the insurance premium:
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