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What is Long Term Care Insurance?

Long-term care insurance (LTCI) typically helps pay for the care you might need as the result of a chronic disease, serious accident, sudden illness, or cognitive impairment such as Alzheimer's Disease.

LTCI covers personal care, homemaker services, skilled nursing care, and physical therapy. These services may be provided by a health care professional such as a nurse, a home health aide, or other personal care providers such as family members and personal care attendants.

Care can be provided in a variety of settings including:

• Your Home
• Adult Family Homes/Day-Cares
• Assisted Living Facilities
• Alzheimer's Facilities
• Nursing Homes

Depending on your policy and condition, varying amounts of care can take place in a variety of locations, and can range from a few hours of care per week at home to round-the-clock care in a nursing home.

What is Long Term Health Insurance?

Long term health insurance is merely another way some people describe long term care insurance. Like many industries, this field is filled with jargon and phrases that can be confusing. We're trying to keep this as easy to understand as possible. That's why you'll usually hear us use the phrase long term care insurance. We think it's the most descriptive.

* "Top-Rated" status is based on ratings with AM BEST and Standard and Poors