<P> Most policies have an elimination period or waiting period similar to a deductible . This is the period of time that you pay for care before your benefits are paid . Elimination days may be from 30 to 120 days after a long - term care incident, such as a fall or illness . Some policies require intended claimants to provide proof of 30 to 120 service days of paid care before any benefits will be paid . In some cases, the option may be available to select zero elimination days when covered services are provided in the home in accordance with a Plan of Care . </P> <P> LTC Insurance riders generally available in Canadian policies include: </P> <Ul> <Li> ROPD--Return of premium on death . Your premiums are returned to your estate . </Li> <Li> Protection from inflation--Policy benefit grows at a set rate of return . </Li> </Ul> <Li> ROPD--Return of premium on death . Your premiums are returned to your estate . </Li>

When was long term care insurance first offered