What services are covered by long-term care insurance?

Long-term care insurance primarily covers assistance for individuals with chronic illnesses or disabilities. This type of insurance is designed to help people who require extended care, which can be due to various reasons, including age-related conditions, disabilities, and chronic health problems that hinder their ability to perform routine daily activities.

The services often included under this coverage can encompass a range of support options like personal care, help with daily activities such as bathing, dressing, and eating, as well as skilled nursing care, in-home care, or care provided in assisted living facilities or nursing homes. The focus is on providing sustained support for individuals who need ongoing assistance rather than just temporary medical solutions.

In contrast, other options like emergency medical services for temporary illnesses, coverage limited to mental health services, or hospitalization for short-term recovery don't align with the purpose of long-term care insurance. These scenarios typically represent acute care situations or specific mental health treatment, which falls outside the broad and continuous care that long-term care insurance is intended to cover.