Once a need for care has been established, long term care insurance helps cover the costs of care providers and support services in the location that’s right for you. For many people, that’s in their own home. Coverage helps fund not just in-home care, but can also be used to fund home modifications like wheelchair ramps or adjustments needed to make a bathroom accessible.
If you require a residential care facility or nursing home, your coverage goes toward those costs. Either way, you choose the amount of coverage that’s right for you and then apply that coverage amount to the cost of the care you need.
Your needs may change over time, which is why we cover a wide variety of care settings and scenarios.