Approximately 15% of the clients we serve at Senior Solutions & Consulting have Long Term Care Insurance (LTCI). The sales of these policies has been relatively flat over the past decade, yet their value often, is not truly understood until a crisis. A good LTCI policy should cover about two third’s of the cost of care, and there is typically a 90 day elimination (waiting) period before coverage kicks in. If a client of our’s/policy holder intends to move into an assisted living environment, we assist the family with procuring coverage at home, so that the elimination begins at an earlier date. In this manner, the client has caregivers to assist with the move, and the policy is in full force when they move in to the assisted living community.