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What Does Long-Term Care Insurance Cover?

Health care is a crucial and complicated topic with many facets, especially when it comes to the elderly and disabled. There are coverages available for those who need extra help, such as long-term care. Long-term care refers to assistance someone may need for an extended period of time, or even for the rest of their life. 

Long-term care insurance helps with the expenses related to having a chronical medical condition, disability or disease that limits the ability to perform every-day tasks such as bathing and getting out of bed. Medicaid generally does not cover assisted living such as this, so it’s important to review the options under an individual long-term care plan.Picture from What Does Long-Term Care Insurance Cover? 

Activities Covered Under Long-Term Care 

Common daily activities covered under long-term care include: 

  • Bathing 

  • Dressing 

  • Eating 

  • Moving (in and out of bed, chair, couch, etc.) 

  • Getting on and off the toilet 


Long-term care like above can be provided in your home, in hospice care, adult day services, respite care, assisted living facilities, nursing homes and Alzheimer’s care facilities. There is additional coverage for at-home skilled nursing care and therapy relating to occupational, physical, speech and rehabilitation. Speak with your healthcare provider about any specialized medical or assistance services you may need. 

Assistance for these can be expensive out of pocket, and not everyone can afford to pay for needed long-term care out of pocket. Long-term care insurance helps cover the price of this necessary care. 

How Much is Long-Term Care Insurance? 

Long-term care insurance rates vary. Since this insurance is available through private insurers, the prices have a huge range. On average, long-term care insurance costs about $2,727 a year. Premiums depend on the plan and coverage limits chosen. Those with more long-term care needs or with specialized needs will likely pay more for this insurance. Term policies also matter, as these policies typically last a number of years before renewal is required. Other factors that influence the cost of long-term care insurance are the insured’s: 

  • Age 

  • Health 

  • Gender 

  • Marital Status 


Overall, women pay higher long-term care insurance premiums because they have a longer lifespan than the average man. Older policyholders will also pay higher premiums, as the older they grow, the more likely they will need long-term care as more health issues arise with age. Married policyholders may pay lower rates since spouses can often take on some responsibility of long-term care