Welcome to season 3!!!!  Steven in New Jersey asked about contingent non-forfeiture.  He wants to know if every LTC plan has it.  Diane shares what both the contingent NF rider is as well as the optional NF rider that you can add to a traditional Tax-Qualified LTC plan.  Hybrid or linked benefit plans have a cash surrender value rather than non-forfeiture.  Listen and learn how they differ, and how this all works when used.