Part of our guide: Long-Term Care Insurance: Costs, Options and Planning →
Ask clients where they’d want to receive care, and almost all say home. Many picture long-term care insurance as paying only for a nursing facility. In fact, most policies can pay full benefits for care at home.
Key takeaways
- Most long-term care is provided at home, much of it by family.
- Many policies pay up to 100% of the benefit for home care.
- Highlighting home care benefits addresses clients’ strongest wish: to stay independent in familiar surroundings.
Most clients want to stay home if they need care. Most policies are designed to let them.
Ask where they’d want care
It’s the simplest question in the LTC conversation, and it almost always leads to home. Clients find it hard to imagine leaving their house for help with bathing, dressing, or eating.
What home care benefits typically include
- Home health aides and personal care (bathing, dressing, eating)
- Homemaker services such as meals, laundry, and light housekeeping
- Skilled nursing and therapy at home
- Adult day care
- Respite care to give family caregivers a break
- Care coordination, and in many policies, home modifications and caregiver training
Benefit levels vary; many policies pay up to 100% of the daily or monthly benefit for home care.
Make it part of every presentation
Point out the home care benefits built into the plan. It shows you listened and appeals to the client’s desire for independence. For costs, see home health care costs; for a real example, see long-term care isn’t just for nursing homes.
Frequently asked questions
Does long-term care insurance pay for home care?
Yes. Most policies cover home care, often up to 100% of the benefit amount.
What home care services does LTC insurance cover?
Typically personal care, homemaker services, home health care, adult day care, respite care, and care coordination.
Can long-term care insurance pay for home modifications?
Many policies include benefits for modifications such as ramps and grab bars.
Reviewed by Tim Fuller on 2026-09-25
Tim Fuller
President, SRS Inc.
Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.
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