• See if your policy allows for personal, at-home help so you can continue living in your home for as long as possible.
• Make sure the plan covers more than the bare minimum. Some policies only cover expenses which are medically necessary.
• Protect yourself against inflation. You may be able to add a clause to the policy which causes your payout to raise a certain percentage per year, to cover costs of inflation.
• Be aware of the duration of the policy. A 5 year policy may be more than you need.