Long-term care insurance is designed to give cost support for services that assist with daily living activities. It can be served for institutional setting, and other physical help. Long-term insurance can cover many forms of expenses from basic needs to major care services. Based on Niles (2018), “most long-term care insurance policies are comprehensive, which means they will cover expense” (p. 205). The type of coverage is based upon patient’s age, policy and services of care needed. Those who are older in age typically use long-term care insurance after retirement its covers things along the lines of hospice care, home health services, and other assistance living related facilities. As a caregiver I personally, find the need of purchasing
