What Does Long-Term Care Insurance Pay For?
While each policy has exclusions and limitations, generally, this insurance covers expenses for:
- Home health aides
- Skilled nursing
- Assisted living
- Nursing homes
What Are The Types of Long-Term Care?
Either in your home or in a facility, long-term care refers to any kind of support for daily living on a long-term basis. These types of long-term care services can occur at any location – for a person of any age.
In your home care can be delivered by:
In your home care can be delivered by:
- Personal Care Assistants or Companions – for household tasks like cleaning, cooking, running errands
- Home Health Aides – for personal care like bathing and dressing
- Nurses – support IVs, medications, more complex health issues
- Adult Day Health Care – offers daytime social and therapeutic activities, while you still live at home
- Assisted Living – allows you to live independently with on-site support for daily basics
- Nursing Homes – give more skilled and intense care, supervision, medication, therapies, and rehabilitation
- Rehabilitation from a hospital stay
- Recovery from illness
- Recovery from injury
- Recovery from surgery
- Terminal medical condition
- Chronic medical conditions
- Chronic severe pain
- Permanent disabilities
- Dementia
- Ongoing need for help with activities of daily living
- Need for supervision
- In the home of the recipient
- In the home of a family member or friend of the recipient
- At an adult day services location
- In an assisted living facility or board-and-care home
- In a hospice facility
- In a nursing home