Does Long Term Care Insurance Cover Independent Living? 
Long term care insurance will help any out of pocket expenses accrued at any of the care facilities , but it can cover the cost for in-home care around the clock for seven days a week as well . For most long term care insurance , you can use your benefits when you can no longer perform the Activities of Daily Living -LRB- ADLs -RRB- . Policy deductibles and waiting periods will affect when you can begin benefit coverage . 