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Long Term Care Basics
Long Term Care Insurance Basics
LTC and LTCI Basics Long Term Care Insurance Basics

Does Long Term Care Insurance Only Cover Care in a Nursing Home?

No. While some plans only pay for care in a nursing home or assisted living facility, other plans also cover long term care you receive in your own home or other settings.

Most people receive long term care in settings outside of a nursing home. If you want to remain in your own home or have family members or friends who will be able to assist you in a caregiving role, you should consider a Comprehensive Optionthat can provide benefits for care in the home and other settings outside of a nursing home.

If lower premiums are more important to you than receiving care at home, consider a Facilities-Only Option.

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The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, administered by Long Term Care Partners, LLC, and offered by:
John Hancock Life Insurance Company, Boston, MA
Metropolitan Life Insurance Company, New York, NY