What Is Covered Under Long Term Care Insurance? 
Long Term Care Insurance generally covers skilled nursing care , intermediate care , custodial care , and home health care . The services and items that are covered are administration of medication , changing surgical dressings , therapy , general rehab , custodial care , meals , and other services provided by social workers , nurses , respite workers , live in caregivers , companions , and housekeepers . Sometimes LTC insurance will pay for training for caregivers , modifications to the home -LRB- such as wheelchair ramp -RRB- , transportation to adult day care , and other related items and services . 