Federal LTC Plan Details and Long Term Care Insurance Cost

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Types of Care Covered

The Federal Program is flexible and has some very important features that may not be available elsewhere.

When you apply, you can select either a Facilities-Only Plan or a Comprehensive Plan - whichever best meets your needs:

Covered Services	Facilities-Only Plan	Comprehensive Plan
Charges for these services are covered up to 100% of the Daily Benefit Amount (DBA) you choose
Nursing Home Care Nursing home care (including skilled, intermediate and custodial care) and ancillary items such as drugs and continence supplies
Assisted Living Facility Care Services you need in an assisted living facility which provides 24-hour maintenance or personal care services by a trained staff
Hospice Care in a Hospice Facility Hospice care provided in a hospice facility (there is no Waiting Period for this type of care)
Respite Care in a Facility Respite care provided in a nursing home, assisted living facility or hospice facility (there is no Waiting Period for this type of care)
Hospice Care at Home Hospice care provided at home (there is no Waiting Period for this type of care)
Charges for these additional services are covered up to 75% of the Daily Benefit Amount you choose
Care Provided at Home Home care provided by an informal caregiver, nurse, home health aide, therapist, or other authorized provider
Adult Day Care Services received in a licensed adult day care center
Respite Care at Home Respite care provided by a formal or informal caregiver at home or at an adult day care center (there is no Waiting Period for this type of care)