Long-Term care provides additional coverage for both non and medical insurance services. This can be used to pay for costs that may occur from daily activities. Long-term care insurance covers the costs related to a nursing home stay, assisted living facility, or caretakers coming to your house when someone gets older and starts dealing with health issues. Long-term care is defined as any care that is longer than three months. Long-term care insurance also covers things like adult day care services, in-home care, home modifications and care coordination (or management).

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