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28 Growing Old Without a Plan for Long Term Care is not for Sissies Summary Long Term Care Insurance policies are custom designed for the individual needs of the purchasers. You choose the beneft amount, beneft period, elimination period and infation protection that best fts your needs. Options are available to add features you want or need. As we will see in the next chapter, if you determine that Long Term Care Insurance is an appropriate way for you to plan to pay for your care, you can work with your Long Term Care Planning Advisor to design a plan that fts your needs and your budget.