The "What & Where"
These facilities provide housing, meals, and help with personal care, but not 24/7 skilled medical monitoring
Assisted Living
This is the ADL involved when a person can no longer feed themselves.
Eating/Feeding
Think of this as a "waiting period" or a deductible in days before the policy starts paying.
Elimination period
To qualify for this government program, you generally must "spend down" your assets to nearly nothing.
Medicaid
While men pay less, a 55-year-old single woman in 2026 can expect to pay roughly this much annually for a standard policy.
What is $3,700 - $3,800?
This "temporary" care provides a much-needed break for primary family caregivers.
Respite Care (Temporary, short-term care)
Most policies require a person to need help with this many ADLs (out of 6) to "trigger" benefits.
Two
This "total sum" is calculated by multiplying your Daily Benefit by the number of years in your coverage period.
This is the average age range experts recommend looking into purchasing an LTCI policy.
Mid 50's to early 60's
This common policy rider helps your benefit keep up with the 8% annual rise in care costs.
What is Inflation Protection?