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Its appeal to customers lies in its dual benefit You must meet the benefit triggers to get care coverage with a hybrid policy. This policy covers you if you can no longer take care of yourself and need assistance in a facility or at home.

It's designed to make sure you get value from your policy whether you need care or not. And it's not just nursing home care. Specifically, it provides help with activities of daily living (adls)

Bathing, dressing, eating, moving, toileting, continence, and grooming

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