What is typically covered by long-term care insurance for individuals?

Long-term care insurance is specifically designed to provide coverage for the costs associated with long-term care services. These services typically include various forms of assistance for individuals who are unable to perform daily activities due to chronic illness, disability, or cognitive impairment. Daily living assistance encompasses support with essential tasks such as bathing, dressing, eating, toileting, and mobility.

This type of insurance aims to alleviate the financial burden of care that is not usually covered by standard health insurance or Medicare, which primarily focus on acute medical needs rather than the ongoing, non-medical assistance required for daily living. Therefore, daily living assistance is a critical component of long-term care insurance and reflects the primary purpose of such policies.

Other options like living expenses, emergency medical needs, and transportation costs may be relevant in certain contexts, but they do not fall under the typical coverage provided by long-term care insurance. The focus of this insurance is on the supportive care needed when individuals can no longer manage their personal care independently.