The expenses covered by this type of policy depend on the provider. But you can expect any policy to cover the costs of daily hands-on care. This includes stays in a nursing home or similar facility, as well as a visiting nurse or assistant who provides care at your home.
You may or may not find this coverage offered as a workplace benefit. If it is not offered, then you will need to purchase coverage on your own. You should consider long-term care insurance while you are healthy. It is cheaper to get a policy early in life while you are healthy, and it gives you protection against sudden illness or disease. Speak with an insurance agent at DePolo & Associates to learn if long-term care insurance is right for you.
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