Long term care is not just nursing home coverage. It includes home health care which allows you to remain in your home. Should one of your family or friends wish to take care of you, the insurance will pay to train them as care givers. If you must move to get better care than what you can get at home it provides coverage for assisted living facilities.
When it comes time to decide what coverage you need and where you should go for help, the insurance company will pay for an expert to help you with these decisions.
When you need to be in a nursing home and need to go into a hospital, the insurance will pay to reserve your bed for a period, so you may return to where you were.
Do you want your plan to qualify for the Partnership Program that protects family assets should you need to use Medicaid to pay for some of your long term costs. This option is available with some plans but not all.
To discuss the pluses and minuses of long term care insurance just give me a call at (570)223-9902.