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    Overview
                                
                
        Who Pays for Long-Term Care?
          
                                  Using Life Insurance to Pay for Long-Term Care
                          Buying Long-Term Care Insurance
                                Costs of Care
                                
                
        What is Covered by Health & Disability Insurance?
          
                                  Coverage Limits Chart
                                      
                
        What is Long-Term Care Insurance?
          
                                  What Long-term Care Insurance Covers
                          Receiving Long-Term Care Insurance Benefits
                          Where to Look for Long-term Care Insurance
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        Paying Privately
          
                                  Reverse Mortgages
                          Annuities
                          Trusts Most policies sold today are comprehensive. They typically allow you to use your daily benefit in a variety of settings, including:
Your home
Adult day service centers
Hospice care
Respite care
Assisted living facilities (also called residential care facilities or alternate care facilities)
Alzheimer's special care facilities
Nursing homesIn the home setting, comprehensive polices generally cover these services:
Skilled nursing care
Occupational, speech, physical, and rehabilitation therapy
Help with personal care, such as bathing and dressing**GOOD TO KNOW**
Many policies also cover some homemaker services, such as meal preparation or housekeeping as long as it is in conjunction with the personal care services you receive.

                    *Last modified on 02/18/2020*
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