Long-Term Care Insurance: Where Can You Receive Care?

                                            IMPORTANCE RATING: 5

The type of long-term care insurance policy determines where you can receive long-term care services:

1. "Home Care Only" policies pay for care only in your home.

2. "Facility Care Only" policies pay for care only in a facility, such as an assisted living community or nursing home.

3. "Comprehensive"  policies pay for care in any setting, regardless of where the care is received.

RECOMMENDATION: Since you do not know exactly where your care can be received, we recommend only the third option, "Comprehensive" Long-Term Care Insurance