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UNITED STATES Dear Toni: You have written about other options for long term care in the past and have discussed life insurance with living benefits. This confuses me because I thought all life insurance plans were the same. I was only aware of term and whole life.
How does this new type of life insurance help one with a long-term care issue?  Currently, my mother has been diagnosed with Alzheimer’s and at 75, is in the early stages, and her Alzheimer’s can last for years. Would she be able to apply for one of these new living benefit policies? Thank you for all you do to help us understand these complicated Medicare issues…Sally from Tampa, FL. ....

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