Long Term Care Insurance traditionally covers long-term services and support activities, whether you’re in your home, a nursing home, hospice, assisted living facility or a similar place. Depending upon the plan you choose, LTC Insurance pays a predetermined daily amount so that you get the help you need.
Your health needs are met for two or more years (depending upon the policy terms).
Covered services include skilled nursing care, assistance with everyday activities such as bathing, dressing or eating.
Coverage for therapeutic services is also included – such as speech therapy and physical rehabilitation therapy.