What Kind of Care Does Long Term Care Insurance Cover?
What Kind of Care Does Long Term Care Insurance Cover?
Long-term care insurance typically covers a comprehensive array of care in either your home or at a specialized facility. The exact type of covered varies by policy, but it often includes:
Home health care such as skilled in-home nursing care; occupational, speech, physical and rehabilitation therapy; and help with activities of daily living like bathing and eating. Some policies may also include homemaker services like meal preparation and house cleaning services.
Respite care that provides temporary care at a home, adult day care or nursing home. It’s meant to relieve a primary caregiver of responsibilities for a span of a few weeks per year.
Adult day care centers
Assisted living facilities
Nursing homes
Alzheimer’s special care facilities
A few long-term care insurance policies also cover short-term hospice care. Hospice care helps manage the physical pain and emotional and spiritual needs of people facing a terminal illness. Hospice care, however, is one form of care that Medicare usually covers for people with a life expectancy of six months or less, so it’s often not covered by long-term care insurance.
Long-term care insurance typically doesn’t cover care provided by family members. It also usually doesn’t cover medical care costs—those are typically covered by private health insurance and/or Medicare.
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