Ask about claims-paying history.
Check a company's financial strength.
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Study the details of your policy. Find out what type of caregivers are covered and how the waiting period is calculated.
Update your policy. Some of the biggest problems stem from old policies that have out-of-date requirements for triggering benefits -- for example, requiring a three-day hospital stay before benefits kick in. Insurers sometimes let policyholders update their policies as new provisions come out regardless of their current health.
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