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Does Long Term Care Insurance Pay for Assisted Living

As we age, our bodies become increasingly frail and susceptible to injury. This can mean anything from a simple fall to more serious conditions, like Alzheimer’s Disease or dementia. If you find yourself in this predicament, long term care insurance may be a good option for you. However, is long term care insurance the right choice for you? And what about assisted living? Does it cover that? In this blog post, we will explore these questions and more. We will also provide you with the answers to some of the most important questions you may have about long term care insurance. So read on to learn all you need to know about this important topic.

What is long term care?

Long term care is a broad term that can refer to a variety of services and supports that are necessary for people who need assistance with Activities of Daily Living (ADLs). Long-term care can be delivered in an assisted living setting, as a rehabilitation facility, or in a home.

There is no one answer to the question of whether long-term care insurance will pay for assisted living. Factors that will affect coverage include the type of policy purchased, the specific needs of the policyholder, and the provider’s contract with the insurer. In general, however, long-term care insurance should cover at least some of the costs associated with assisted living, such as room and board.

Types of Long Term Care Insurance

There are a few different types of long-term care insurance, each with its own set of benefits and drawbacks.

The most common type is called “in-home” long-term care insurance. This type of policy covers the cost of care in a person’s own home. It can help pay for round-the-clock assistance with basic needs such as eating, bathing, and dressing, as well as more complex tasks such as bathing and toileting. In-home coverage usually stops once the insured person enters a nursing home or other long-term care facility.

Another type of long-term care insurance is called “personal assistant” coverage. This type of policy pays for services such as personal hygiene, housekeeping, shopping, and transportation. The key difference between personal assistant and in-home coverage is that personal assistant coverage typically extends to the entire home rather than just the individual’s bedroom or living area.

Some people choose to purchase long-term care insurance even if they don’t have any plans to need it. For example, some people buy in-home coverage in case they become disabled and can no longer live independently. Others buy personal assistant coverage in case they need help with day-to-day activities but don’t want to rely on family members or others for full time care.

There are also policies that cover both in-home and personal assistant services. These policies are often

Is assisted living covered by long term care insurance?

Assisted living is a type of long term care that allows seniors to live in an assisted living facility with help from caregivers. Some people mistakenly believe that assisted living isn’t covered by long term care insurance, but this isn’t the case. If you’re covered by long term care insurance, your policy likely includes coverage for assisted living.


Sadly, the answer to this question is not straightforward. Long term care insurance policies can vary dramatically in their coverage for assisted living, and it’s important to do your research before making a decision. Some policies may only cover a small percentage of the costs associated with long term care, while others may provide full coverage. It’s also important to remember that long term care costs can rapidly rise over time, so you will want to make sure you have enough money saved up should you need assistance living in a retirement community or an assisted living facility.

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