Long Term Care Insurance is a benefit that would have had to be purchased. The plan 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.
Individuals who require long-term care are generally not sick in the traditional sense but are unable to perform two of the six activities of daily living such as dressing, bathing, eating, toileting, transferring (getting in and out of a bed or chair), and walking.
