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What is long term care and what is long term care insurance?

Long term care services help people with chronic conditions live independently and cope with a limited ability to perform the Activities of Daily Living.

Long term care insurance is designed to cover some or all of the costs associated with the services needed to assist you with your activities of daily living. This type of insurance covers chronic care that traditional health insurance does not. It also helps to protect assets that would otherwise have to be used to pay for this care.