It is important that you understand what services your long term care insurance policy covers and how it covers the many types of long term care services you might need to use. Policies may cover the following:
- Nursing home care
- Home health care
- Respite care
- Hospice care
- Personal care in your home
- Services in assisted living facilities
- Services in adult day care centers
- Services in other community facilities
What does long term care insurance not cover?
All long term care insurance policies have limitations and exclusions. It's best to review these with a licensed insurance agent/producer.
Covering the gap
Long term care insurance policies may provide choices and flexibility for your long term care needs. The cost of a long term care insurance policy depends, in part, on the type and amount of services and benefits you choose to cover, your age, and your health.
How will you cover long term care needs? To speak with an agent/producer,