What conditions require long term care insurance?

Long-term care insurance is typically used to cover the cost of care for individuals who have a physical or chronic illness or disability which causes them to be unable to perform activities of daily living (ADL) for at least 90 days. This may include conditions that require ongoing assistance with activities such as bathing, dressing, eating, and toileting. These individuals may require care in a nursing home, assisted living facility, or in their own home.

Long-term care insurance can also be used to cover the cost of care for individuals who have a cognitive impairment, such as Alzheimer's disease or dementia.

Last updated: January 12, 2023