What does long-term care insurance provide coverage for?

Long-term care insurance is specifically designed to provide coverage for services that assist individuals with activities of daily living (ADLs) over an extended period. These activities can include bathing, dressing, eating, toileting, and transferring. The insurance is intended to help pay for care that may not be covered by regular health insurance or Medicare, particularly for individuals who have chronic illnesses, disabilities, or cognitive impairments that require ongoing assistance.

This type of insurance is often utilized when individuals need help for an extended duration, whether in their own home, in assisted living facilities, or in nursing homes. Unlike basic health insurance, which typically covers acute care and treatments for specific illnesses or conditions, long-term care insurance focuses on providing the necessary support to maintain the quality of life for those who may not be able to care for themselves independently over time.