What is Covered?

Long-term care insurance helps pay for care services when you need help with normal daily activities, such as eating, bathing, and moving around - activities that many of us take for granted. Long-term care insurance also covers supervision due to a cognitive impairment such as Alzheimer's disease. A long-term care insurance policy provides for different types of care in a variety of settings:

  • Skilled care includes nursing care and physical, occupational, respiratory, and speech therapy from licensed professionals that may or may not be received on a daily basis.
  • Custodial care is the most widely used type of care, and includes help with day-to-day activities such as eating and dressing.