When is it worth getting a second opinion before changing long term care insurance options?

Key long term care policy terms vary widely, including covered care settings, benefit eligibility triggers, waiting periods, benefit limits, inflation features, and premium design. Traditional long term care coverage is built primarily around care benefits, while hybrid designs add long term care features to life insurance or an annuity, often with a larger initial commitment. For the coverage analysis, request an in force illustration, benefit schedule, or written policy summary before changing a policy based on a verbal recommendation. The policy and a current illustration or benefit summary should be the starting point, and ask a licensed professional for a written explanation of any guarantee, exclusion, surrender restriction, or beneficiary provision.