What is long-term care? It's a "buzz" word that we have heard for many years. However, most of us still are not sure what it is. Long-term care is a form of insurance that financially assists an individual by providing a payment source for the daily hands on care one may need when dealing with a chronic illness. It also allows you to continue to remain as independent as possible.
The type of services needed could vary from one person to another. However, the primary services included are home health care, respite, hospice, adult day center, assisted living services, and skilled nursing services. It is up to you to determine what combination of services you would like the policy to include.