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What is Long Term Care Insurance?

Long term care insurance helps pay for covered long term care when a person needs substantial assistance with at least 2 of the 6 activities of daily living (bathing, dressing, getting in and out of bed (transferring), feeding or toileting and continence), for a period expected to last at least 90 days¹ due to a chronic disease, accident or illness, or needs substantial supervision because of a severe cognitive impairment such as Alzheimer’s disease, and a doctor, nurse or licensed social worker certifies from time to time the individual needs the assistance or supervision as described above.²

Long term care services may be provided by a health care professional such as a nurse, a home health aide, or other personal care providers such as family members* and personal care attendants.

Long term care insurance can help pay for varying levels of care in a variety of locations, ranging from a few hours of care per week at home to round-the-clock care in a nursing home.
View a glossary of long term care terms.

 

 

 

 

 

 

 

¹ 90 day requirement is specific to coverage that is intended to be tax-qualified, as defined by the Internal Revenue Code of 1986, §7702B(b).

² Certification by a "licensed health care practitioner" (doctor, nurse or licensed social worker) is specific to coverage that is intended to be tax qualified. Under federal law §7702B(c)(4) a "licensed health care practitioner" includes any individual who meets such requirements as may be prescribed by the Secretary of Health and Human Services.
* Subject to policy limitations





108838  08/08/11

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