It cover the costs of that care when you have a chronic medical condition

Long-term care insurance is an insurance product, sold in the United States United Kingdom and Canada that helps pay for the costs associated with long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as: Your home. A nursing home. An assisted living facility.

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