There are three main options when it comes to long term care coverage:

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Traditional long term care insurance:

Also known as standalone long term care insurance, traditional policies
exclusively cover long-term care expenses in your home or a facility.

​Hybrid long term care insurance:

Also known as linked benefits or combo policies pair long-term care with life insurance or an annuity. A hybrid policy provides coverage for both extended care in your home or a facility along with a death benefit. If you never need long-term care, your
loved ones would benefit from a life insurance payout after you pass away.
Hybrid policies have become increasingly popular in recent years.

Life insurance with a long term care rider:

Some life insurance policies let you add on additional coverage for long-term care
via a rider. A long-term care rider lets you use some of the life insurance policy’s death benefit to pay for long-term care needs while you’re still alive.​