While each policy has exclusions and limitations, generally, this insurance covers expenses for: 

• Home health aides
• Skilled nursing
• Assisted living
• Nursing homes

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:

• 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

 In a facility the range of care levels includes:

• 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

Temporary long term care (need for care for only weeks or months)

• Rehabilitation from a hospital stay
• Recovery from illness
• Recovery from injury
• Recovery from surgery
• Terminal medical condition

Ongoing long term care (need for care for many months or years)

• Chronic medical conditions
• Chronic severe pain
• Permanent disabilities
• Dementia
• Ongoing need for help with activities of daily living
• Need for supervision

Long-term care services may be provided in any of the following settings:

• 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

While anyone can need long-term care at any time, the risk of having a long-term care need may increase as you age.