Long-Term Care Insurance Benefits

Variety of Settings
Long-term care insurance may provide coverage for services in a variety of settings. These include but are not limited to:

  • Your home
  • A nursing home
  • An assisted-living facility
  • An adult daycare center

Variety of Care
Within these settings there can be three types of care:

  • Skilled care is 24-hour prescribed care provided by licensed medical professionals.
  • Intermediate care is prescribed care that can be provided on an intermediate rather than continuous basis.
  • Custodial care assists you with performing everyday activities such as bathing, dressing, and eating.

Additional Benefits
Long-term care insurance may also provide for:

  • Respite care
  • Hospice care
  • Therapeutic devices
  • Meal services
  • Transportation
  • Cash payment
  • Bed reservation

There may also be provisions for training, certifying, and paying a family member to take care of you in your own home.

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Long-Term Care Insurance
  Long-Term Care Insurance Benefits
  Types of Long-Term Care Insurance
  What to Consider

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