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Long-Term Care
Goes beyond medical care to include all of the assistance you could need if a chronic illness or disability leaves you unable to care for yourself for an extended period of time.
When most people think of long-term care, they think of nursing home care. But most policies will also provide coverage for care provided at home, in assisted living facilities or even in adult day care centers.
Since there's a 50/50 chance a person will need long-term care at some point in their life, it's an important consideration for most people.
There are lots of different factors to evaluate when considering a long-term care insurance purchase (e.g., daily benefit, maximum benefit, elimination period, inflation protection, etc.). For more information about these and other key considerations regarding long-term care insurance, see the Association of Health Insurance Advisors (AHIA).