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Message: <blockquote data-quote="bacha29" data-source="post: 4249391" data-attributes="member: 58386">Most plans only pay an average of $160 per day for about 2-3 years with a benefit trigger of 90 days with a maximum life time pay out of around $150,000 with premiums of around $3500 per year. Now if you die within that time frame it would help. Now as for the average stay one of the main reasons it's at this level is due to the fact that a significant number of people admitted are by that time in their 80's and are already in the final months of their lives and have been cared for at home until their conditions deteriorated to the point where professional opinions and state elder care laws required that they go to a nursing home.This is the main reason why that number is where it is but at the same time you won't have to look very hard in order to find indigent patients who have been there much longer.</blockquote>