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When older people or people with certain medical conditions can no longer bathe themselves, dress themselves or get out of bed or chairs by themselves, they often need to get long-term care. To help pay for long-term health care, many people buy long-term care insurance. Many companies sell long term care insurance and it can help pay for care received at home or at nursing homes and assisted living centers. Some insurance companies sell non-tax qualified long term care polices or traditional long term care insurance. Many insurance companies sell tax qualified long term care insurance polices. Whether tax qualified long term care insurance or non-tax qualified long term insurance is better depends on the situation of the policy holder.
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