As we age, many of us will eventually require long-term care services. This type of care can be expensive, and the cost is expected to continue to rise in the coming years. Long-term care insurance is one way to help cover the cost of services such as nursing home care, assisted living, and in-home care. But what kind of care does long-term care insurance actually cover? Let’s take a closer look.

 

Nursing Home Care

One of the most common types of long-term care insurance coverage is for nursing home care. This type of care is provided to individuals who require around-the-clock medical attention and support. Long-term care insurance can help cover the cost of a private room, meals, medical care, and other services that may be required, such as physical therapy.

Assisted Living

Assisted living facilities provide a more independent living environment for seniors who require some assistance with daily activities, such as bathing, dressing, and medication management. Long-term care insurance can help cover the cost of these services, which can include room and board, housekeeping, transportation, and personal care services.

In-Home Care

For many seniors, the option of staying in their own home is preferable. In-home care services can provide assistance with daily activities, such as meal preparation, bathing, and medication management. Long-term care insurance can help cover the cost of these services, which can be provided by a home health aide or a skilled nurse.

Other Services

Long-term care insurance policies can also provide coverage for other services, such as adult day care, hospice care, and respite care. These services can be valuable for both the individual receiving care and their caregivers, providing much-needed support and respite.

 

Long-term care insurance can be an essential part of your financial planning, ensuring that you are prepared for the possibility of needing long-term care services. By understanding the types of care that long-term care insurance covers, you can make an informed decision about the coverage that is right for you. 

At Lavine LTC Benefits, we offer comprehensive long-term care insurance plans that can help provide you with the financial security and peace of mind you need. Contact us today to learn more. To learn more about the services we offer, please click here. To contact us, please click here or call us at (253) 275-6091 or email us at raymond@lavineltcins.com.