Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal care such as activities of daily living in a variety of settings such as your home, a community organization, or other facility. Understand the benefit triggers and the elimination period: http://longtermcare.gov/costs-how-to-pay/what-is-long-term-care-insurance/when-your-coverage-begins/RelevanceThese policies are expensive and rarely cover all expenses. Many long-term care insurance policies have limits on how long or how much they will pay.http://longtermcare.gov/costs-how-to-pay/costs-of-care/Also see the C2it Care Directory under Resources.