Long Term Care includes a wide range of medical, personal and social services. A person may need this care if he/she suffers from a prolonged illness, disability or cognitive impairment.
Long Term Care includes services provided by home health care agencies, adult day care centers, traditional nursing homes, and continuing care retirement communities.
In addition to providing the three levels of nursing care, Skilled Care, Intermediate Care, and Custodial Care, Long Term care must also provide at least one lower level of care such as home health care. Coverage provided for all lower levels of care must be a least 50% of the nursing home benefit.