Long Term Care Insurance
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. These services are generally not covered by your Medicare benefits.
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
What is Long-Term Care Insurance?
If you need to pay for care in the future, how will you cover the cost?
How Does Long-Term Care Insurance Work?
What Does Long-Term Care Insurance Cover?
LTC policies vary from plan to plan. It is advisable to explore your LTC options while you are healthy, so exploring LTC insurance at the earliest opportunity is best.
- Nursing home care
- Assisted living facilities
- Adult day care centers
- Alzheimer’s care facilities
- Care in your home
- Respite care
- Home modification
- Care coordination