Covered Long Term Care Facilities and Services

It is important to know which facilities and services are covered under your long term care insurance policy. Long term care insurance usually covers assistance with activities of daily living such as eating, bathing, dressing, toileting, transferring, and continence. Make sure the policy you are considering offers the benefits you think you might need. Listed below are services a long term care policy might cover:

• Nursing home services: Care in a licensed nursing facility.
  
  
• Assisted living services: Care in a licensed assisted living facility.
  
  
• Home health care services: Home Health Care includes skilled care or personal assistance in your home by a licensed home health agency. Coverage may include part-time skilled nursing care, physical therapy, and assistance with activities of daily living.
  
  
• Adult day-care services: Care in licensed adult day-care facilities. These programs provide daytime care to individuals who do not need to live in a nursing home. Typical benefits include nursing or therapeutic care, social and educational activities, or personal supervision because of "cognitive impairment," such as Alzheimer’s or a similar disease.
  
  
• Other services: Other benefits or options may include:
  Respite care - Care provided to give family members caregivers time off;
  Recovery period benefits - Care after a stay in a hospital;
  Home assistance services - Help with chores like cleaning and shopping; and
  Training for family members.