Some individuals may have planned in advance for their advanced years or through long term acre insurance. These policies are more frequently being offered as an optional employee benefit or have been purchased by individuals privately. There are several companies that offer LTC policies. Although LTC policies differ in what they offer or what benefit triggers are, for the most part, they all offer a daily benefit of a certain dollar amount (for example; $100 to $200 per day) to the policyholder should they meet the required benefit trigger. Benefit triggers on many policies are defined as deficit in one to three activities of daily living.