Depending on the benefit period that you choose, every long-term care insurance has benefit period which is determined based on your choice of how long your are going to receive benefit from your long-term care insurance policy. You can choose from 2 years, 3 years or even a lifetime benefit period which is also known as unlimited coverage, where you will be receiving benefits until your demise. However, the longer benefit period you have, the more expensive your long-term care insurance premium will be.

That is where the death benefit in a life policy increases over a period of time.

Depending on the benefit period you choose, long-term care insurance companies offers lifetime benefit period also known as unlimited coverage. However, a long-term care insurance policy with unlimited coverage can be very expensive.

The goals that you set for a company should :

1) Benefit the company

2) Benefit you

Remember the company has to see how you can benefit it or you won't be around to benefit from it

Short Term Disability typically comes with benefit period options of 3, 6, 12 and 24 months in duration.