Kimberly Lankford, a Contibuting Editor of Kiplinger's Finance has recently written an insightful article about how to reduce the amount you pay in long term care insurance premiums. Read It Here (New Window)

Multiple Ways To Control Premuims

In the article, Kimberly says:

"Because care is often received in the home first, it's a good idea to look for a policy with a zero-day waiting period for home care..."

She also has useful advice on how much coverage to buy and for how long, as well as talking about some of the policy options like a shared benefit policy.