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. ​​


To more easily view a glossary term in a PDF within your internet browser, simply hold the CTRL (control) key (or ⌘ key on a Mac) while clicking on the dotted-underlined term​. This will open the glossary in a new window, allowing you to hold your spot within the consumer guide.

Request a Copy by Mail
Order a publication online 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 Insu​rance (OCI).