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​​What is Long-term Care Insurance?

Unlike traditional health insurance, long-term care insurance is designed to cover

long-term services and supports, including personal and custodial care in a variety

of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount

(up to a pre-selected limit) for services to assist them with activities of daily

living such as bathing, dressing, or eating.  You can select a range of care

options and benefits that allow you to get the services you need, where you

need them.

The cost of your long-term care policy is based on:

How old you are when you buy the policy
The maximum amount that a policy will pay per day
The maximum number of days (years) that a policy will pay
The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
Any optional benefits you choose, such as benefits that increase with inflation

If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate.  Some group policies do not require underwriting.


Many long-term care insurance policies have limits on how long or how much they will pay. Some policies will pay the costs of your long-term care for two to five years, while other insurance companies offer policies that will pay your long-term care costs for as long as you live—no matter how much it costs. But there are very few that have no such limits.