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Q: What is usually covered by long-term care insurance?

Long-term care insurance pays for in-home care, assisted living, nursing home stays, hospice care, and physical or occupational therapy. This lets seniors seek help with daily tasks and medical procedures that Medicare doesn't usually cover.

Q: Does LTC insurance cover in-home caregivers?

Many long-term care insurance policies cover in-home care, meaning seniors can stay home while obtaining help with daily tasks like getting dressed, bathing, cooking, and moving around.

Q: Is LTC insurance worth it for middle-class families?

Long-term care insurance (LTC) can be worth it for middle-class families since it protects against high elder care expenses, makes it easier to pay for care, and ensures access to high-quality services like assisted living, nursing care, or help with caregiving at home.

Q: What's the best age to buy long-term care insurance?

People between 50 and 60 are usually the best candidates for long-term care insurance since they are healthier and the premiums are lower. This means they are more likely to get accepted before their care needs rise.

Q: Are pre-existing conditions covered?

Long-term care insurance policies may not cover all of your pre-existing conditions because they generally have time limits. Families should read the agreements carefully to find out what medical issues are covered and which ones are not.