If you stop paying premiums, because the rates have increased and are no longer affordable, your policy will lapse. Letters will be sent to you, and anyone listed on your application as a protection against lapse contact, in an attempt to keep the policy inforce. If attempts are made and premium is still not received, the policy will lapse. In some circumstances you can keep LTC benefits in the amount of premiums paid. For example, if you paid $10,000 in premiums over the life of the policy you MAY be able to keep $10,000 in LTC benefits.