Also known as extended care, long-term care includes a range of services and support designed to meet both personal and medical needs.

These services are intended to support individuals with cognitive impairment or those who have lost the ability to perform two or more everyday tasks, known as activities of daily living. These include bathing, dressing, toileting, continence, eating, and transferring.

Long-term care insurance provides benefits to help cover the cost of these services, reducing the need to pay out of pocket, draw down savings, or rely on family members for care