Current Attempt in Progress What risk does Sarah run if she chooses a long-term care policy with a short benefit period 2 years? The elimination period need will be quite large. If she needs care beyond 2 years, she will need to fund these costs from her own savings or investments. The cost of the policy will be higher than for policies with a longer benefit period. The elimination period need will be quite large and, if she needs care beyond 2 years, she will need to fund these costs from her own savings and investments