What Does Long Term Health Insurance Cover? 
What is covered by a Long-Term Care -LRB- LTC -RRB- policy can vary greatly . Most LTC policies will provide payment for required assistance when a person can not perform two of the six activities of daily living -LRB- ADL -RRB- . The ADLs are : walking , eating , bathing , dressing , toileting , and continence . Some policies will pay for in-home care while other plans only pay once a person moves into an assisted living facility . Most policies have a daily maximum that they will pay as well as an overall maximum . These typically set the maximum to pay for a certain number of years , such as three or five . The more a policy will ultimately pay for , the higher the premium will be . LTC insurance is often available through employers , but a less expensive policy may be available on the open market . Contact an insurance broker that can provide quotes from multiple companies to find the best policy for you . The broker and also provide guidance on how to determine your exact needs . 