Guide to Long-Term Care

​​​​​​​​​​Last Updated: July 25, 2024

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

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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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GLOSSARY TIP: 
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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 Insu​rance (OCI).