Long-Term Care Insurance: Restoration of Benefits Rider

This rider states that if you buy a long-term care insurance policy with a limited benefit maximum and you use a portion of your policy benefits, the benefits in your policy will be restored if your health returns and you go without care for a specified period of time (usually 6 months or longer).

RECOMMENDATION: The liklihood is low that a person will receive long-term care for more than 100 days, and then fully recover, then receive care again. This rider is NOT a good value- do not purchase it!