Andrew has a $10,000 per month long term care policy that has a three year benefit period.Andrew goes on claim, but only needs to use $5,000 per month of benefit and stays on care for four years until his death.Which scenario is true?

1The insurance company will pay out the full $10,000 per month for three years.

2The insurance company will pay the $5,000 per month for four years and then cut a check to his beneficiaries for any remaining balance not used.

3The insurance company will only pay the $5,000 per month claim for three years.

4The insurance company will pay the $5,000 per month of benefit for all four years.

Which one