Hybrid long-term-care (LTC) policies, which allow individuals to combine life insurance with an LTC benefit, have become more popular in recent years, especially since the enactment of the 2006 Pension Protection Act (PPA), which opened the door for these type of policies. Hybrid policies are an alternative to existing stand-alone policies, which have gone out of favor due to increased premiums and other issues. Most companies don’t even offer them anymore.
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