What Is Covered By Long Term Care Insurance?

When selecting a long-term care policy make sure the policy offers the benefits you think you might need.  Every situation is different and every option needs to be considered.  The following are some basic services a long-term policy might cover:

• Nursing home services: Care in a licensed nursing facility.


• Assisted living services: Care in a licensed assisted living facility.


• Home health care services: Home Health Care includes skilled care or personal assistance in your home by a licensed home health agency.  This might include: part-time skilled nursing care, physical therapy, and assistance with activities of daily living.


• Adult day-care services: Care in licensed adult day-care facilities.  This might include: nursing or therapeutic care, social and educational activities, or personal supervision because of "cognitive impairment," such as Alzheimer’s or a similar disease.