What is LTC Coverage?

Long-term care is the coverage necessary for people when they no longer can perform the tasks associated with living and caring for themselves independently. Long-term care is a phrase that refers to an array of medical, personal, and social services.

The activities that describe living independently on a day-to-day basis include:


Long-term Care may include helping with these day-to-day activities. It should also be mentioned that care pertaining to memory loss or dementia (referred to as cognitive impairment). An individual may retain the ability to dress themselves and move around, however, they may have a tough time remembering daily tasks such as when to take their medications, or taking their medication altogether.</p> <p>Many Long-term Care policies offer the benefit of a Care Coordinator. A Care Coordinator is a licensed healthcare professional who can assess an individual’s needs and cater specifically to their care in developing an individualized care plan. The benefit of having a Care Coordinator is immensely helpful for close friend and family members that are assisting in coordinating an individual’s care.

Many Long-term Care Coverages Include Care in Settings Like:

Home and Community Care

Long-term Care insurance helps to pay for services that are provided by home caregivers (also, should the caregiver be new to the task of giving care – pay for their training), pay for any home modifications (like those that help with mobility), durable health equipment, as well as any medical monitoring equipment.

Assisted Living Facility Care

An assisted living facility is a residential housing complex with localized support services and health care for people who need some help with the activities involved in day-to-day living. A perk of assisted living facilities is that they offer the freedom of independent living within a monitored environment.

Nursing Home Care

Nursing homes give the confidence of a living environment that delivers around the clock access to medical services, the monitoring of an individual’s needs, as well as skilled nursing care.