Benefits are available regardless of whether you need custodial or skilled care. When you apply, you'll choose a daily benefit maximum for nursing facility care. This is the most the policy will cover for each day of care. Your policy also has a lifetime benefit maximum , calculated by multiplying your daily benefit maximum by the benefit period you've selected.
Some states stipulate the minimum daily benefit maximums that are available.
The information will appear on your application. Benefits are available in your home or a licensed adult day-care center. This policy also provides for the additional flexibility of allowing you to choose a licensed home care provider who is not affiliated with a home health care agency. Benefits are provided for people who need some level of supervision but who want to be as independent as possible. Benefits are also payable for care in Alzheimer's facilities and hospices.