Can you explain long term care insurance?

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Asked March 18, 2013

1 Answer


Long term care insurance is a special type of health insurance, generally sold separately, to supplement your health coverage where long term illness or other health concerns are involved. Long term care insurance is used to supplement regular health insurance, adding coverage for in-home care that may not be part of a standard health insurance package.

The idea behind long term care insurance is make sure that medical patients can receive the care they need when they are bedridden or otherwise able to travel outside the home for regular care. Since most health insurance policies do not include home care, long term care insurance picks up where popular health insurance policies leave off.

Standard long term care insurance policies cover assisted living facilities, home health care, live-in medical assistance, and other facets of care required on a regular, ongoing basis. Examples of long term care include home nurse visits, in-home therapy, private duty nurses and other care delivered to the patient rather than from a care facility.

Long term care is sometimes included as part of a health insurance policy, applying a portion of your health insurance premiums to the long term care. This can beneficial in an environment where some or all of the cost of health insurance is paid by the employer.

Long term care insurance should not be confused with the medical payments of standard health insurance. Medical payments are used to pay your regular household expenses, such as mortgage, utility bills, or grocery shopping. Long term care does not cover you for your ordinary expenses, but it does take the financial burden off your family if you should require regular care or assistance for an extended period of time.

Answered March 18, 2013 by Anonymous

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