1. The long-term care insurance offers coverage like home health care and nursing home care facilities for the insured people who are suffering from the chronic illness or disability. The chronic illness like Alzheimer's, cancer coverage with a waiver of premium benefits.
2. Long-term care policies are considered to be wide-ranging which cover a range of amenities with daily benefits with 2 years lifetime care.
3. Long-term care gives skilled medical staff like registered nurses or professional therapists. They will provide the medical care 24 hours a day.
4. The policy will give benefits of healthcare facilities at home or at nursing home. The benefit period start from year1 - 6 years or in certain cases unlimited period. The longer the benefit period the higher the premium.
5. Under the disability coverage the policy covers daily living or be cognitive afflicted before coverage start.
It is better to get the Long-term care insurance rather than other medical policy because long-term policy provides hospital stays, reimbursement of doctor treatments. It also includes regulate treatments like dressing, bathing, eating, transferring, continence and toileting. The long-term care is not a medical facilities but it is referred as guardian care, which can assist daily living activities.
