Long-Term Care Individual Insurance

Health insurance plans that pay doctor and hospital bills do not typically pay for nursing home or at-home care. Long-Term Care policies will pay a nursing-home benefit for up to four years at an average daily cost. Most policies come with a deductible or waiting period, usually 20 days. Coverage is generally available for those between 50 and 84 years old.

Related Information

Long-Term Care covers assistance with:

• Daily activities, such as bathing, eating, and dressing
• Skilled nursing care or rehabilitation training, either in a nursing facility or at home
• Cognitive impairment, such as Alzheimers; also deals with care-oriented conditions, although, not-cure oriented