LTC Insurance Checklist Print this page, and use it to compare Long Term Care Insurance companies.  Feature/Benefit Company 1  Company 2   Yes  No  Yes   No Insurance company has outstanding ratings         Insurance company has more than 20 years experience with LTC coverage         Coverage for Privileged Care Coordinator         Coverage home health care as well as adult day care facilities, assisted care facilities and nursing homes.         Coverage for mental conditions including nervous disorders such as depression, and brain conditions such as Alzheimer's Disease and Dementia.         Coverage for Equipment and Home Modification         Coverage for Caregiver Training         Coverage for Respite Care         Coverage for Bed Reservation         Survivorship Benefit Option         Temporary Insurance Binder         Guaranteed Renewable         30-Day Free Look         Late Payment Protection         Protection Against Unintentional Policy Lapse         Flexible Elimination Period Options         Optional Restoration of Benefits         Optional Nonforfeiture Benefit         Waiver of Premium         Inflation Protection         Preferred Health Discounts         Spousal/Partner Discounts         Coverage for inability to perform activities of daily living         Coverage for homemaker services and intermediate nursing care as well as skilled nursing care         Return