Long-term Care Insurance

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 Long-term care insurance, also known as LTC, is coverage that provides nursing-home care, home health care, and personal or adult day care services for those who are 65 or older,  or for those who may have a chronic or disabling condition. Long-term care insurance usually covers all or part of an assisted living facility stay and is offered by private insurance companies. Long Term Care insurance offers various levels of coverage based on your needs.