Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care. These types of policies also reimburse individuals for services they need to assist themselves and can cover services such as dressing, bathing, or eating.
Additionally, most long-term care policies are comprehensive, meaning they allow you to use your daily benefits in a variety of settings. Examples of these settings include your home, an adult day service center, or an assisted living facility, among others.
Unfortunately, when many seniors are finally ready to benefit from their policies, they often have difficulty convincing their insurers to approve their claim. As such, here is what to consider before filing your long-term care insurance claim.