Everything promised by a long term care insurance provider should be in writing. No matter what you are told, over the phone, in person, or in the promotional literature, it is not official until it is in your contract. Finally, make sure to read the fine print in your contract. With long term care insurance, there are limits to what illnesses are covered, how claims are made, and countless other issues. For example, most policies do not cover drug rehabilitation or suicide. Make sure you are aware of these, and other, restrictions before buying a long term care insurance policy.