The main goal of long-term care insurance is to provide what type of services?

The main goal of long-term care insurance is to provide chronic illness care services. This type of insurance is specifically designed to cover the costs associated with long-term care that a person may require due to chronic illnesses, disabilities, or cognitive impairments. These services often include assistance with daily activities such as bathing, dressing, eating, and mobility, which are not typically covered by standard health insurance or Medicare.

Long-term care can take place in various settings, including nursing homes, assisted living facilities, or even at home, and aims to support individuals in maintaining their quality of life as they cope with health issues over an extended period. This focus on ongoing care for chronic conditions differentiates long-term care insurance from other types of health insurance, which primarily address acute medical care or short-term health needs.