Last Updated: February 10, 2023
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 hospitalization 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 available to give advice and answer questions.
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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).