Long-Term Care Insurance Rate Guide
Authored By: Texas Department of Insurance
Long-term care refers to the type of personal care services you need if you become unable to care for yourself because of a loss of functional capacity or cognitive impairment. Long-term care is different from traditional medical care that attempts to permanently cure or control illnesses. Long-term care helps seniors, people with disabilities, and people with injuries or illnesses perform normal daily activities, but it may not improve or correct their medical problems. Care may be provided at home or in a hospice, adult day care center, nursing home, or assisted living facility.