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Once you’ve come to a decision about the kind of coverage you need it’s time to think about approaches to reduce costs.One manner that people typically don’t recognize as a way of reducing costs on long-term insurance rates is by lengthening the elimination period of their coverage. This implies that should they specify a longer time period between when they need care and when they really receive carethey could save on their rates. All long term care insurance polices have a waiting period that applies to coverage.Virginia Code ยง8.01-229 states that when one is under a disability (which includes under the age of 18), they have until they are 18 to deliver the claim. Please be aware , the Virginia Supreme Court recently held in medical malpractice cases, it is not until you are 18, plus two decades — it’s until they’re 18 and then the statute expires.The moral of the story is — using a potential malpractice claim between a child — call an attorney immediately to find out if your cause of action has to be submitted