Adult Day Care

Skilled, intermediate, and custodial care, provided in facilities or at home — Long-term care insurance covers a range of care levels: skilled care, meaning daily, medically necessary care by licensed professionals; intermediate care, meaning occasional nursing and rehabilitative care; and custodial care, meaning help with activities of daily living such as bathing and dressing, which does not require professional medical skills. These services can be delivered in nursing facilities, assisted living facilities, adult day care centers, or the insured's home. The product addresses assistance with chronic conditions over time, not acute hospital treatment, and each level triggers different daily benefit amounts.

National insurance concept

Home health care benefits provide care in the insured's own home, often including personal care and homemaker services — Most LTC policies offer home health care coverage, which provides care in the insured's own residence — a key reason people buy the coverage. Home health care benefits typically cover personal care (help with ADLs), homemaker services, and sometimes skilled visits, subject to policy limits. The settings covered by LTC insurance generally include nursing homes, assisted living facilities, residential care facilities for the elderly, home care, adult day care, hospice, and respite care. Home care lets people stay in familiar surroundings and is often the most-used LTC benefit, so understanding how it is triggered and limited is essential for client counseling.

National insurance concept