What Is Long Term Care?
Long term care insurance typically helps pay for the long term care services you might need as the result of a chronic disease, serious accident, sudden illness, or cognitive impairment such as Alzheimer's Disease that can limit a person's ability to think or reason.
Long term care services may be provided by a health care professional such as a nurse, a home health aide, or other personal care providers such as family members and personal care attendants.
Varying amounts of care can take place in a variety of locations. For example:
Furthermore, long term care can range from a few hours of care per week in your home to round-the-clock care in a nursing home. A good long term care insurance policy will cover all of these circumstances to some degree.