Long-term care
Planning for care so it doesn’t fall entirely on your savings or your family.
What it covers
Long-term care insurance helps pay for help with everyday activities like bathing, dressing, and eating when an illness, injury, or aging makes them difficult. Depending on the policy, that can include:
- In-home care
- Assisted living
- Nursing facility care
- Adult day care
Why plan ahead
Care is expensive in California, and regular health insurance and Medicare generally don’t pay for ongoing custodial care. Without a plan, those costs usually come from savings, home equity, or family members who step in as caregivers.
Your options
Traditional long-term care policies focus only on care. Hybrid policies combine life insurance with long-term care benefits, so the money goes to your family if you never need care. Coverage is easier to qualify for when you’re younger and healthier.