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Long term care insurance helps pay for long term care services needed due to a chronic disease, serious accident, sudden illness, or cognitive impairment such as Alzheimer's, that limits a person's ability to think or reason.
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 for in home care.
Long term care insurance can 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.
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See your regional cost for long term care