What is Covered?

Long-term care insurance helps pay for care services when you need help with normal daily activities, such as eating, bathing, and moving around - activities that many of us take for granted. Long-term care insurance also covers supervision due to a cognitive impairment, such as Alzheimer's disease. A long-term care insurance policy provides for different types of care in a variety of settings:

  • Skilled care includes nursing care and physical, occupational, respiratory, and speech therapy from licensed professionals that may or may not be received on a daily basis.
  • Custodial care is the most widely used type of care, and includes help with day-to-day activities such as eating and dressing.
  • Home Care includes help you receive in your own home.  Care can be provided by family or skilled providers.  LTCi policies generally do not pay for care provided by family members.