{"id":626,"date":"2026-04-26T10:00:00","date_gmt":"2026-04-26T14:00:00","guid":{"rendered":"https:\/\/crookncovenant.com\/page-home\/?p=626"},"modified":"2026-04-26T10:00:00","modified_gmt":"2026-04-26T14:00:00","slug":"which-type-of-long-term-care-insurance-is-right-for-you","status":"publish","type":"post","link":"https:\/\/crookncovenant.com\/page-home\/which-type-of-long-term-care-insurance-is-right-for-you\/","title":{"rendered":"Which Type of Long-Term Care Insurance Is Right for You?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Long-term care insurance includes traditional stand-alone policies that pay monthly benefits after a waiting period and require inability to perform two of six daily activities or cognitive impairment. Few insurers now offer these. Hybrid life-LTC policies combine life insurance with LTC benefits, allowing early access to death benefits for care, with fixed premiums and potential return-of-premium options but higher upfront costs. Annuities with LTC riders increase payouts during care events.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.kiplinger.com\/retirement\/which-type-of-long-term-care-insurance-works-for-you\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Long-term care insurance includes traditional stand-alone policies that pay monthly benefits after a waiting period and require inability to perform two of six daily activities or cognitive impairment. Few insurers now offer these. Hybrid life-LTC policies combine life insurance with LTC benefits, allowing early access to death benefits for care, with fixed premiums and potential [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":627,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-626","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts\/626","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/comments?post=626"}],"version-history":[{"count":1,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts\/626\/revisions"}],"predecessor-version":[{"id":628,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/posts\/626\/revisions\/628"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/media\/627"}],"wp:attachment":[{"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/media?parent=626"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/categories?post=626"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crookncovenant.com\/page-home\/wp-json\/wp\/v2\/tags?post=626"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}