Does long-term care insurance cover in-home care?

Yes. Most comprehensive long-term care policies sold today cover care in your own home — and home care is the setting most people prefer and the benefit they use most.

Covered home services typically include a home health aide or personal-care aide who helps with activities of daily living (bathing, dressing, eating), and often adult day care. A comprehensive policy usually pays the same daily or monthly benefit whether care is at home, in assisted living, or in a nursing home; some older policies paid only a percentage of the benefit for home care.

A few older or "facility-only" policies cover nursing homes but not home care, so confirm your policy includes home care if that matters to you.

General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.