Assisted living is an LTC option for individuals who need additional support if unable to live independently. Depending on the individual's situation, there are several ways to cover assisted living costs. Generally, it can be paid for through long-term care insurance plans or out-of-pocket payments made by the resident or their family. Some long-term care insurance company policies may include coverage for assisted living or reimburse each covered recipient an annual amount toward qualified LTC services such as those provided in an assisted living facility. Additionally, veterans and surviving spouses may be eligible for benefits to help with long-term expenses at an assisted living facility. Lastly, Medicaid waiver programs can enable those with limited incomes to pay for LTC services through the program's funding.