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18-Jan-2020 02:59

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It helps with routine daily activities, such as eating, getting around, and bathing.It can also help if you need supervision, protection, or reminders to take medicine.A long-term care insurance policy typically pays from to 0 per day for nursing home care.To find out how much coverage you might need, call local nursing homes, home health care agencies, and adult day care centers in your area and ask about their cost for daily care.If you have an indemnity policy, you might have to pay taxes on benefits that exceed your actual cost or an amount of 0 per day, whichever is greater.

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Use them to help you decide whether to buy a long-term care policy.

Policies sold after January 1, 1997, are either tax-qualified or non-tax-qualified.

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