Long-term care refers to a wide array of medical care, personal assistance and social support services for people who are physically or mentally unable to independently care for themselves for an extended period of time.

Whether you need long-term care insurance depends on your age, health status, overall retirement goals, income and assets.

A long-term care insurance policy covers any or all of the following types of services:

• Nursing home coverage
• Assisted living facility coverage
• Adult day care centre coverage
• Home health care coverage
• Personal care coverage

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