What Long Term Care Insurance Covers

Long term care insurance covers state-licensed nursing home health assistance in skilled, intermediate, and custodial facilities.  Some long term care insurance policy features may cover in-home services, such as skilled or unskilled nursing assistance, physical therapy, homemakers, and home health aides provided by qualified agencies.  Many long term care insurance policies also cover assisted living or adult daycare for the caregiver.

Skilled long term care is generally needed for medical conditions that require assistance by a skilled medical professional such as registered nurses or professional therapists.  The long term care is usually provided 24 hours a day, ordered by a physician, and involves a treatment plan that would be covered by your insurance policy.

Long term care insurance will provide assistance for someone who can't perform activities of daily living.  These types of activities include bathing, eating, dressing, toileting, continence and transferring.  If have a family member or close friend who would need this type of assistance please fill out an insurance quote and find out how much your policy will cost.