Two-in-one protection? Critical Illness Riders in Long-Term Care Insurance is like adding a bonus layer of protection to your LTC policy by including a critical illness benefit. A critical illness rider pays out a lump sum if you are diagnosed with a covered critical illness, like cancer, heart attack, or stroke. This lump sum can be used for medical expenses or any other purpose. The twist? It’s like getting two types of insurance in one policy! Critical illness riders can provide extra financial protection against unexpected health events, in addition to LTC coverage. It’s about maximizing your insurance coverage and getting more bang for your buck. Actionable Tip: Understand the concept of “riders” or “endorsements” in insurance policies – optional add-ons that provide extra coverage or benefits. Riders can customize your insurance to fit your specific needs and preferences.