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What is Long Term Care Insurance?

Long Term Care Insurance

You may be wondering, “What is long term care insurance and why do I need it?”  At the onset, Long Term Care Insurance (LTCI) was introduced as nursing home insurance which is why long term care coverage is often misunderstood today.

Currently, LTCI policies cover a broad variety of treatment and aid-giving options such as home health care, homemaker services, respite assurance, adult care aid, and other assisted living arrangements, in addition to nursing home care.

LTCI policies today have built-in provisions to adapt as technology changes. This means they’ll cover the care capabilities available today and 30-50 years from now.


  • Home Health Care
  • Respite Care
  • Hospice Care
  • Personal Care in Your Home
  • Assisted Living Facilities
  • Adult Day Care Centers
  • Other Community Facilities
  • Nursing Homes
  • Memory Care Facilities

Like other forms of insurance, LTCI allows you to pay a set premium that protects you against a potentially expensive extended healthcare event.

Activities of Daily Living

Personal care, sometimes called custodial care, helps with activities of daily living (ADLs) – the activities you do each morning to get ready for work.

These activities are defined as:

  • Bathing
  • Eating
  • Dressing
  • Toileting
  • Continence
  • Transferring

LTCI also helps cover the cost of care for patients with a cognitive impairment such as Dementia, Alzheimer’s, and memory loss.

Interested to find out how much LTC insurance costs for you? Learn More by visiting our FAQ page here or try our instant quote tool to get rates from the top insurance carriers.