Long-term care policies normally cover expenses associated with

• A. Nursing homes
• B. Hospitals
• C. Dental care
• D. Vision therapy

Answer: (A)

Long-term care policies focus on ongoing help with daily living activities and supervision for people who can’t perform these tasks on their own due to aging, illness, or disability. Because the aim is to cover custodial, non-acute support over time, these policies most often pay for care in a nursing home or other long-term care setting (and sometimes for home health care or assisted living). They aren’t intended to cover acute hospital stays, which fall under medical or health insurance, nor routine dental care or vision therapy, which are outside the scope of long-term care benefits. So the expenses these policies are designed to help with are the long-term, custodial care needs associated with living in a nursing facility or receiving similar care.