Levels of Long Term Care

A good long term care insurance plan should cover all of these areas : How does your's match up?

Adult day care:
Facilities that provide personal and skilled care, and recreational services.

Assisted living facilities:
Living quarters that give individualized personal care and health services for residents who need help with personal care.

Facility care services:
Licensed agencies that give skilled nursing care, speech, physical, or occupational therapy, or assistance from health aides.

Nursing facilities:
Residential sites for those who need daily medical care. Many nursing home stays are for a short rehabilitative time period after an acute illness or injury such as a hip fracture.

Make sure you know exactly what types of services and facilities are covered by your long term care policy. If you don't go to the right kind of facility, your insurance company can deny payment for your care.

Related Article: Am I Eligible for Long Term Care? >>