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Does long-term care insurance cover home care services?

Contrary to popular belief, long-term care isn't confined to nursing homes; it can begin right at home. According to our research, 70% of adults over the age of 65 will require some form of long-term care. Long-term care encompasses a spectrum of services, not limited to institutional care. Most long-term care policies extend to services received in the policy holder’s own home. While traditional health insurance, Medicare, and Medicaid handle health care costs, long-term care insurance steps in to cover personal care services. The policy holder does need to qualify to receive the benefit. Most common qualification criterions include cognitive impairment or the inability to perform 2 of 6 Activities of Daily Living (ADLs).

Activities of Daily Living (ADLs)

ADLs are essential daily tasks one needs to perform to be able to function independently. The 6 standard ADLs are:

1. Bathing/Showering

2. Dressing

3. Transferring – ability to get in and out of bed or a chair

4. Toileting

5. Eating

6. Continence

Policy Features and Timing

When navigating the long-term care insurance landscape, it's paramount to seek policies with guaranteed renewal and built-in inflation protection. These features ensure the sustainability and adequacy of your coverage as your needs evolve over time. Like other insurance products, the timing of the purchase of the policy can significantly impact your premiums. As a rule of thumb, the earlier you secure the policy, the lower your premiums. In other words, the longer the runway before you are likely to use the insurance benefit, the lower your monthly/yearly premium payment would be.

Long term care insurance can be considered an investment in your future well-being, with financial benefits that materialize over time. The insurance isn't merely about preparing for a distant future in a nursing home—it's about securing the flexibility to receive care in the comfort of your own home. By understanding the nuances of coverage, the importance of specific policy features, and the impact of timing on premiums, you empower yourself to make informed decisions about your long-term care journey.


The information provided here is for informational purposes only and is not intended to constitute medical, legal, insurance, financial or any other professional advice.



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