Since Long Term Care plans have been around for a short period of time, extreme changes in the Long Term Care industry may have important effects on the existing plans. Further more, the increase of health care cost as well as inflationary erosion of the daily benefits may also have an adverse affect on the existing plans.
Thus it is strongly recommended to have your existing coverage evaluated by a Long Term Care Specialist to make sure that it keeps up with the current changes as well as your current personal situation.