When considering long-term insurance, what should a nurse advise an older person to do?

When advising an older person about long-term insurance, scrutinizing all exclusions from the plan is crucial because it helps ensure that the individual fully understands what is and isn’t covered by the policy. This understanding is essential in making informed decisions about the insurance that will meet their needs as they age. Exclusions can significantly impact coverage, leading to potentially high out-of-pocket costs if the individual requires services that are not included in their plan.

Knowing these exclusions will aid in evaluating if the policy is appropriate based on their health status, anticipated care needs, and financial situation. By being aware of what conditions or types of care are excluded, an older adult can choose a policy that provides better coverage or seek additional options if necessary. This proactive approach can lead to better financial planning and security in the long run as they navigate their care needs.