This coverage is designed to bridge the gap and cover costs health insurance won't.
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What is long-term care insurance?
A long-term care insurance policy helps cover the costs of care needed when a family member has a chronic medical condition, disability or Alzheimer’s disease, and etc. Most policies will reimburse you for care given in long term care facilities, such as:
- Your Home
- A nursing home
- An Assisted living facility
- An Adult day care center
Considering long-term care costs is an important part of any long-range financial plan, especially in your 50s and beyond. Waiting until you need care to buy coverage isn’t an option. You won’t qualify for long-term care insurance if you have a debilitating condition, and long-term care insurance carriers won’t approve most applicants over age 75. The majority of people with long-term care insurance buy it in their mid-50s to mid-60s