The client at time of application chooses how quickly they wish to receive the benefit in the event of a long term care claim. Most companies offer a 2% or 4% per month draw down method. For example, a plan from Prudential would pay 2% of the face amount each month for up to 50 months as a long term care benefit. In the event that the insured dies before the entire benefit is paid out, the remaining unused amount is paid as a life insurance benefit. For example, the insured is issued a $1,000,000 face amount contract age 50. Her contract has a 2% long term care rider. At the age of 75, she is certified to have a loss of two activities of daily living and starts receiving $20,000/month as a long term care benefit (.02 x 1000). She passes away at age 78 having used up 36 months of care. Her beneficiaries would receive $280,000 ($1,000,000 – $720,000).