The long term care policy you have may have different provisions than others. There are multiple types of long term care contracts. However, a popular plan for a husband and wife will give the spouse free coverage for life after a period of time if the primary or husband dies. There are some policies with a beneficiary provision as well. Most long term care policies however just expire when the insureds die. This is part of the risk of owning a long term care policy. Statistically, there is a really good chance, especially females, that you will have a claim before you pass.