Almost all policies sold today are integrated plans which cover medical and non-medical services in various settings including your own home, adult day care, assisted living facilities, memory care communities and skilled nursing facilities. Many policies also cover hospice care.

Long-term care insurance policies will pay for assistance with activities of daily living. These include bathing, dressing, eating, toileting, continence and transferring. Also covered is supervision for cognitive impairment to keep you safe.

If receiving care at home, instrumental activities of daily living may also be covered. These include tasks like grocery shopping, meal preparation, light housekeeping and laundry. Care can be hands-on or standby assistance.