19. So what's the difference between a Tax Qualified Policy and a Non-tax Qualified Policy?

You may be asked to choose beween a "tax-qualified" long term care insurance policy and one that is "non tax-qualified".  A federally tax-qualified long-term care insurance policy offers certain federal income tax advantages.   If you have a qualified long-term care policy, and you itemize your deductions, you may be able to deduct part or all of the premium you pay for the policy.  You may be able to add the premium to your other deductible medical expenses.  The amount you can deduct depends on your age.  Please contact your tax advisor for the latest tables showing the maximum amount that you can claim for your age group.