Long-term care insurance offers a wide range of coverage options to suit your changing needs. These options include but are not limited to the following:

• Assisted Living

  – One of the best methods that someone with long-term care needs can use to continue to live somewhat independently is by becoming a resident at an assisted living facility. Designed to mimic living in regular apartment homes, assisted living comes with the added benefit of having long-term care services offered as part of the package. All of these benefits are covered by a long-term care insurance policy.

• Nursing Home Care

  – For more intensive long-term care needs, your insurance helps to cover the cost of living in a nursing home where you receive around-the-clock care from skilled health professionals and get the opportunity to participate in daily social activities.

• Home Modification

  – If you or a loved one become disabled but are able to stay in your home, your insurance will cover the cost of making the modifications that make living there more comfortable and convenient. These modifications may include adding wheelchair ramps, lowering counter tops and making doorways wider, among many other changes.

• Adult Day Care

  – For elderly individuals who are able to move around on their own and require less intensive long-term care, insurance pays for day care services. These facilities provide the psychological benefit of regular socializing along with basic health care and personal assistance.

• At Home Care

  – If you or your loved one wants to stay at home but needs the help of someone to carry out daily activities, your long-term insurance covers the cost of your in-home care by a nurse, caregivers or personal aide.

• Rehabilitation Care

  – If you have special treatment needs or a disability that requires regular physical rehabilitation sessions with a medical specialist, your insurance helps to pay for these costs whether the rehab takes place in your home or in a long-term care facility.

• Alzheimer’s Special Care Facilities

  – For individuals who suffer with cognitive issues due to Alzheimer’s, your long-term care insurance pays for treatment in a specialized facility.

To get the ideal long-term care insurance plan for your unique situation, consult with an experienced agent to create a policy with all of the coverage options you need.