When an older adult is considering long-term care insurance (LTCI), what is important for the nurse to encourage the client to consider?

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LTCI policies vary, and many have exclusions for specific diseases, for example, Alzheimer's disease. It is prudent to examine the policy before purchasing. Costs increase as one ages. The best plans are those that are negotiated by a large group such as an employer, state organization, or association. Although policies are becoming more creative, they are traditionally limited to care in a long-term care facility and frequently do not cover care in the home.

When an Older Adult Is Considering Long-Term Care Insurance (LTCI)