What Long Term Care Policies may Cover

​Policies may cover the following care arrangements:
Nursing home: A facility that provides a full range of skilled health care, rehabilitation care, personal care and daily activities in a 24/7 setting. Find out whether the policy covers more than room-and-board.
Assisted living: A residence with apartment-style units that makes personal care and other individualized services (such as meal delivery) available when needed.
Adult day care services: A program outside the home that provides health, social and other support services in a supervised setting for adults who need some degree of help during the day.
Home care: An agency or individual who performs services, such as bathing, grooming and help with chores and housework.
Home modification: Adaptations, such as installing ramps or grab bars to make your home safer and more accessible.
Care coordination: Services provided by a trained or licensed professional who assists with determining needs, locating services and arranging for care. The policy may also cover the monitoring of care providers.
Future service options: If a new type of long-term care service is developed after you purchase the insurance, some policies have the flexibility to cover the new services. The "future service" option may be available if the policy contains specific language about alternative options.