Buyers of long-term care insurance often focus on just the coverage basics, such as the level of daily benefits, length of coverage and under what conditions the policy will pay a claim. While these basics form the chassis of the policy, long-term care policies offer a host of other options that may prove beneficial to the policyholder.  Let's take a look at some of these available options: Survivorship premium waiver - If both spouses obtain long-term care policies from one insurer, some policies will provide a waiver of all remaining premiums if one spouse dies within a certain number of years…