“What You Need to Know About Hybrid Long-Term-Care Insurance,” by Cheryl Winokur Munk, Wall Street Journal

“Hybrid policies have grown more popular in recent years, attracting consumers with the promise that if policyholders don’t end up needing long-term care, their beneficiary will receive a death benefit. In addition, premiums for these policies have been more stable over time than stand-alone long-term-care policies because the buyer typically pays a single premium or a series of set premiums over time. Some policies also offer a return-of-premium option—another attractive feature.”

LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):

This article was “updated” around noon EST today so I’m not sure it’s in today’s print edition. We can share a limited number of copies online if you ask nicely. (Smile)  Happy T-Day!