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What kind of care is covered by long term care policies?

Covered expenses can vary from policy to policy. In a comprehensive policy, benefits are paid for services delivered in nursing facilities, assisted living facilities, adult day care centers, or at home. A non-comprehensive policy restricts the benefits to services that are provided in nursing facilities. Care is further subdivided into skilled care and custodial care. Skilled care is generally ordered by a physician under a plan of treatment, and is provided 24 hours a day. It is usually provided in a nursing home. Personal care or custodial care helps a person perform ADLs (activities of daily living) -- assistance that can be provided in almost any setting.

Use the menu below to view more about Long-Term Care Policy

  Long-Term Care Policy

What Kind Of Care Is Covered By Long Term Care Policies?
What Activities Are Included In The ADLs (activities of daily living)?
What Services Are Typically Not Covered?
How Does A Comprehensive Policy Differ From A Non-Comprehensive One?
How Soon Do I Get Benefits?
What Is A Cognitive Impairment?
Will I Have To Be Examined By A Doctor To Buy Long-Term Insurance?
What About Pre-Existing Conditions?
Do I Need To Give Personal Information About My Medical Condition And Finances To Get Long-Term Care Insurance?
What Happens To The Medical Information From My Application?
What Happens If I Make A Mistake On The Application?
Are Long Term Care Policies Standardized Like Medicare (Medigap) Supplements?
If My Sister Performs The Service In My Home, Will The Policy Provide The Benefits?
  


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