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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Request a Copy by Mail
If you wish to receive a printed version of this guide by mail, click here or call 1-800-236-8517 to request a copy.

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).

  • ​Reach out to OCI (1-800-236-8517, to speak with our staff. If sending an email, please indicate your name and phone number.

  • File a complaint with OCI. You can file a complaint online by clicking here. If you would like to file your complaint by mail, you can download a complaint form in English or Españ​ol.​