How Much Does Long Term Care Insurance Cover? 
A quality long-term care insurance policy from a well-capitalized , highly rated insurance company will include at least the following : Facility careHome care Domestic care -LRB- housework , yard work , cleaning chores -RRB- Assisted living or residential living careAdult Day CareRespite care -LRB- time off for the primary family care giver -RRB- Home modifications so that insured can stay at home for as long as possible , the costs of which are not deducted from the pool of money available for daily care.There may be additional coverage offered by the carrier . Ask to see a `` specimen policy '' for the exact language of the benefits , features , and riders of the policy you are considering . Look for language that takes into account the possibility of future medical or technological advances that may become available but which are not yet known or invented yet . For example , `` assisted living '' facilities were not even available 25 years ago , but , people that bought quality policies before that time with contract language that allowed for future developments in the field of elder care are now in such facilities and being paid for those expenses . 