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Another part of the amendment requires your insurance company to provide the option to have nonforfeiture benefits included in your policy. Nonforfeiture benefits allow you to receive some benefits if you allow your policy to lapse. These benefits can be in the form of a paid-up policy with a decreased daily benefit, or a paid-up policy with a shortened benefit period (in the case of a qualified long-term care policy). Some policies will allow you to pay a higher premium until you reach a certain age or have the policy for a certain period of time. At this point, the policy would be considered paid-up and you would not have to make further payments.

Custodial Care, helps a person with the activities of daily living, without specialized medical care. Custodial care includes assistance with eating, bathing, and other routine activities. It is the least complicated of the three types of care. Custodial Care may be given in the home, or in an adult day care center.