What does a long-term care policy typically cover?

A long-term care policy is specifically designed to provide support for individuals who are unable to perform basic activities of daily living (ADLs) due to chronic illness, disability, or aging. ADLs may include essential tasks such as bathing, dressing, eating, toileting, and mobility. The primary purpose of this type of insurance is to help cover the costs associated with providing the care necessary for individuals who require assistance over an extended period, which can often exceed what traditional health insurance covers.

In contrast, the other options do not align with the core purpose of a long-term care policy. While temporarily injuries requiring surgical intervention pertain more to health and accident insurance, property damage liability is associated with auto or homeowners insurance and does not relate to personal care needs. Hospitalization procedures focus on acute care within a hospital setting rather than ongoing care and assistance at home or in assisted living facilities, which is the central aim of long-term care insurance.