| It is important to know which facilities and services are covered
under your long term care 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.
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