Question: how does ltc insurance work?
Answer: How do you protect your income in retirement from illness? One solution is Long Term Care Insurance. ... Simply put, LTC will pay the insured a weekly or monthly income if they cannot do 2 of the 6 aids to daily living (ADL). ADLs are(for the most part): Bathing, Dressing, Transferring, Toileting, Continence and Feeding.