Your long-term care might not have long legs if you decide to live overseas, according to the trade association covering this type of insurance.

An estimated 1.4 million American retirees live abroad, and understanding how such a move can impact long-term-care insurance benefits is vital, says the American Association for Long-Term Care Insurance, a trade group.

The association reviewed policies from eight leading long-term-care insurance companies and only one had no limitations on the benefits those living overseas could expect. The results of the review are published on the organization's website at

"You can purchase and pay for a policy designed to pay four years of benefits, but if the international limit is just one year, you'll either have to move back to the U.S. for care or give up the balance available," says Jesse Slome, the executive director for the association.