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:
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Your home
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A nursing home
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An assisted-living facility
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An adult daycare center
In America, only 15 percent of long-term care services are provided in a nursing
home. The remaining 85 percent are provided in the home, assisted-living
facilities, or adult daycare centers.1
Variety of Care
Within these settings there can be three types of care:
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Skilled care is 24-hour prescribed care provided by licensed medical
professionals.
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Intermediate care is prescribed care that can be provided on an intermediate
rather than continuous basis.
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Custodial care assists you with performing everyday activities such as bathing,
dressing, and eating.
Additional Benefits
Long-term care insurance may also provide for:
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Respite care
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Hospice care
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Therapeutic devices
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Meal services
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Transportation
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Cash payment
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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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