What Does Long Term Healthcare Insurance Cover? 
I believe you are referring to Long Term Care Insurance . There are a variety of different long term policies from many insurance companies . Most policies sold today are comprehensive and offer a daily benefit that can be used in your home , adult day service centers , hospice care , respite care , assisted living facilities and Alzheimer 's special care facilities and nursing homes . In a home setting , comprehensive polices generally cover skilled nursing care , occupational , speech , physical and rehabilitation therapy . You can also get help with personal care , such as bathing and dressing . In order to receive long term care expense reimbursement , you need to qualify . Generally , that means the failure of the insured to perform 2 out of 6 of the activities of daily living -LRB- ADLs -RRB- . There is also an `` elimination period '' after which the benefits begin . Policies vary in what they actually cover and there is much you should know about long term care and you need to find a qualified insurance agent near you that can help you understand it . 