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Change Type Sizes

• Facilities-Only or Comprehensive
• Daily Benefit Amount
• Benefit Period
• Waiting Period
• Inflation Protection Option

Daily Benefit Amount

This is the maximum amount your insurance will pay in any single day. The FLTCIP offers DBAs from $50-$300 in $25 increments.

What DBA is Right for You?

If you want your DBA to closely match the national average daily cost of nursing home care of $189,⁹ you may want to choose a $175 DBA.

If you are able to pay a portion of the cost of care out of your own pocket, (e.g., from your income) or live in an area where the cost of care is lower than the national average, you may want to choose a lower DBA.

On the other hand, you may want to choose a higher DBA if you live in an area where the cost of care is higher than the national average or you cannot pay a portion of the cost yourself. To find the average daily cost of care in your area (for home care, assisted living facilities, and nursing home care), use our cost of care tool.

Weekly Benefit Amount Option

If you choose the Comprehensive Option, you can choose to have your benefits calculated on a weekly basis (seven times your DBA) for greater flexibility, at an additional cost.