A Long-Term Care Policy covers which of the following?

A Long-Term Care Policy is designed to provide coverage for a range of services that help individuals who have chronic illnesses or disabilities. Respite care is included as part of these services because it offers temporary relief to caregivers who may need a break from their caregiving responsibilities. This type of care ensures that the individual remains in a safe, supportive environment while their primary caregiver takes time off, which is crucial for overall well-being.

Long-term care policies typically encompass various forms of care, such as in-home care, assisted living, and nursing facility care. While skilled nursing care and personal care services are important components, respite care specifically supports caregivers and addresses the larger context of long-term care needs. By offering respite services, these policies promote the sustainability of caregiving and the quality of life for both caregivers and care recipients.