Long Term Care

Most Americans are living healthier longer lives thanks to advancements in preventative care. A Long Term Care policy covers any or all of the following types of services: 

  • Nursing home coverage
  • Assisted living facility coverage
  • Adult day care center coverage
  • Home health care coverage
  • Personal care coverage

Most policies pay a daily maximum benefit and a lifetime maximum benefit. Actual benefits are chosen at the time the policy is purchased. The daily maximum benefit for most Long Term Care insurance policies is usually less than the cost of one average day of long-term-care service. A complete legal description of the contractual provisions and benefits which may vary is contained solely within the policy itself.