About Long-Term Care Insurance
What it Pays For
Long-term care insurance policies cover some or all of the expenses that arise when a chronic illness, accident, cognitive impairment, injury or the natural aging process leaves you unable to care for yourself for an extended period of time.
These expenses can include personal care assistance for eating, bathing, dressing, going to the bathroom; homemaker services like cleaning, shopping, and cooking; physical, occupational or other therapies to restore or maintain function; and respite care to relieve family caregivers.
Today's long-term care policies cover these services in a variety of settings including hospices, adult day care centers, assisted living facilities, nursing homes and at home.