Understanding Long Term Care Insurance
Advance Preparation
Covered Services
A good long term care policy will cover all levels of care in nursing facilities and other residential care settings, such as assisted living.
Under home care, most policies include the community services of adult day care, respite care (temporary overnight care to relieve family caregivers) and hospice care. Policies should cover personal care.
Assisted living residence services are either covered under home care or alternate care or may be a separate policy benefit. Some policies cover assisted living residences under nursing facility benefits. If you are interested in assisted living coverage, make sure you know how the policy handles this setting.
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