Long-term care insurance has provides good facilities to the policyholder. It will give hospital stays, doctor fees and skilled and personal long-term care services at home or at nursing home to the patients such as dressing, bathing, eating, transferring, continence and toileting. The long-term is not merely a medical care but it is referred as a guardian care. The main features of the long-term care policies are: 1. The long-term care insurance provides coverage like at-home care, assisted living facility care, adult day care, and respite care and nursing home care facilities for the insured people who are suffering from the chronic illness or disability. 2. The long-term care insurance covers chronic illness like Alzheimer's, cancer coverage with a waiver of premium benefits and spouse discount. It is not like the normal policy, it will protect from inflation available at time of purchase. 3. Long-term care policies are considered to be wide-ranging which cover a range of amenities with daily benefits of $40 to $250 a day, waiting periods from 0 to 365 days, with 2 years lifetime care. Today normal nursing as well as home expenses are increases day by day it will cost anywhere from $45,000 to $100,000 annually. In such a condition the long-term care insurance is going to be much beneficial. 4. Skilled long-term care is usually required in medical conditions that need skilled medical staff like registered nurses or professional therapists. They will provide the medical care 24 hours a day as per suggestion of physician, and involves in a treatment plan. 5. The policy will give benefits of healthcare facilities at home or at nursing home. The benefit period start from year1 - 6 years or in certain cases unlimited period. The longer the benefit period the higher the premium. 6. You will get the disability coverage. The policy needs the person does not be able to perform a certain number of activities of daily living or be cognitive afflicted before coverage start. 7. You must check the possibilities to get the major benefits because some policies give maximum benefits. These are the seven main features of the long-term care insurance policy.
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