Does Long Term Care Insurance Cover Independent Living? 
Long Term Care Insurance does cover Independent Living in some situations and with some policies . Most LTC policies that pay the institution directly do not cover an independent living residence . However , if the policy pays the person , then someone meeting the triggers -LRB- the loss of the of 2 or 3 independent ADL 's and/or substantial cognitive/mental impairment -RRB- could collect on some policies , even while living at home or in an independent living residence . 