What Does Long Term Care Insurance Cover? 
A lot depends on your policy . A good Long Term Care policy will cover not only Nursing Home , but also Assisted Living and Home Health Care . Many will even pay a family member to care for your needs . To begin receiving benefits you must be unable to perform at least 2 or 3 activities of daily living depending on your policy . You policy will pay for the length of time and the amount specified in the policy , I usually recommend at least 3 to 5 years of coverage . This is the average Nursing Home stay for Long Term custodial care . 