You can find contacts for your state’s insurance department through the National Association of Insurance Commissioners’ directory. But insurance may be worth it if the value of all your savings and possessions excluding your primary home is at least $75,000, according to a consumers’ guide from the insurance commissioners’ association. Many insurers are selling hybrid policies that combine life insurance and long-term care insurance. Those are popular because if you don’t use the long-term care benefit, the policy pays out to a beneficiary after you die. But compared with long-term care policies, hybrid policies “are even more expensive, and the coverage is not great,” said Howard Bedlin, government relations and advocacy principal at the National Council on Aging.

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Persons: you’ll, ”, Howard Bedlin Organizations: American Association for, Care Insurance, National Association of Insurance, Social Security, Medicaid, National Council, Aging