LTCi Products Long Term Care Insurance products fall into a number of categories such as:    Individual    Group    Modified Group    Simplified Issue    Facility    Home Care    Comprehensive    Tax Qualified    Non-Tax Qualified    Reimbursement    Indemnity    etc, etc. In addition, each Insurance Company has a wide variety of policy definitions, limitations and options that are unique to their products. For this reason alone, it is extremely important that you consult with a Long Term Care Insurance Specialist before you make a buying or self-insuring decision.