A Long-Term Care Insurance policy is designed to help you and your covered family members pay for certain expenses should you no longer be able to care for yourself on a daily basis for an extended period of time due to aging, illness or injury. Individual Long-Term Care policies pay an amount for covered services, up to applicable maximums; this kind of care is not generally covered by the Medical Plan.

The cost of Long-Term Care insurance is primarily based on your age and health and the options you choose when you apply for coverage.