What is Long Term Care?Long term care is ongoing assistance with some of the most basic activities of daily living such as eating, bathing, dressing, or getting in and out of bed or a chair. The need most often stems from disability, chronic illness, or cognitive impairment.

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Long-term care insurance (LTC or LTCI) is an insurance product that helps pay for the cost of long-term care.Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.