LTC Insurance Includes

Acute Care

Acute Care

Chronic Care

Custodial (Personal) Care

Activities of Daily Living (ADL)

Ambulating

Self-Insure LTC

Nursing Home

Skilled Nursing 'Facility

Intermediate Care Facility

Assisted Living Facility

Home Care

Hospice

Respite Care

Adult Day Care

Types of LTC Coverages

Institutional Coverage + Home Care Coverage = Comprehensive LTC insurance

skilled nursing care, intermediate nursing care, custodial care, home health care & community based care are STANDARD LEVELS of care in a comprehensive long term policy

2 ways to trigger LTC policy