Due to age, health or disabilities, you might need help dressing, going to the bathroom, eating or simply getting around. However, professional care is often expensive. That’s what long-term care insurance is designed to address. With it, you’ll be able to pay for professional care services in places like:
Your own home
Skilled nursing or rehabilitation facilities
Assisted living facilities
Adult day care centers
Most plans will pay for a certain cost of your care per day for a maximum number of days. However, while you might still face certain out-of-pocket costs for your care, these will be substantially lower than the cost of going uninsured.