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 days 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.

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.

 

 

 

 

 

 

 

*Subject to policy limitations

48905  02/10/11