Which feature is commonly included in long-term care policies to keep pace with rising costs?

• A. No inflation protection
• B. Inflation protection
• C. A fixed daily benefit with no increase
• D. A separate investment rider

Answer: (B)

Rising long-term care costs are a constant concern, so the feature that keeps benefits growing to match those costs is inflation protection. This option automatically increases the daily or monthly benefit over time, usually by a set percentage each year, so the coverage maintains its purchasing power as care becomes more expensive. Without this, a fixed benefit would slowly lose value and could leave gaps in coverage. A separate investment rider isn’t aimed at matching future care costs, and a plan with no inflation protection would not keep pace with how expenses rise. Inflation protection is a common way policies stay relevant as expenses grow.