Guide to Long-Term Care

​​​​​​​​​Last Updated: February 10, 2023

Full version of publication: Guide to Long-Term Care​


Long-term care refers to a range of services needed for an extended period because of a chronic illness or disability. It usually does not include the type of care received on a short-term basis following a hos​pitalization or an acute illness.

This guideexplains long-term care services, costs, and who pays those costs. It explains the types of long-term care insurance, provides buying tips, and identifies important questions and risks associated with long-term care insurance.

The guide also includes a list of resources availa​ble to give advice and answer questions. ​​


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File a Complaint
If you have a specific complaint about your insurance, refer it first to the insurance company or agent involved. If you do not receive satisfactory answers, contact the Office of the Commissioner of Insurance (OCI).