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Where Can I Receive Long-Term Care Services  
When you opt for long-term care insurance, you opt for protection and choice. When the time comes that you may need care, you'll be able to receive it in several places--and some may be much more suitable than nursing homes. Given the right circumstances, most people today would prefer the freedom of receiving care in their own homes or through other types of extended community-based care.

Home Health Services - If you need ongoing care in your home, these services--including nursing care, assistance with basic activities, physical and occupational therapy, and nutrition counseling -- may be a good solution.

Adult Day Care Services - If your primary caregiver needs to go to work, this option will enable you to spend the day at a licensed location with planned activities and return home at night.

Informal Care - This includes help with everyday activities, personal supervision from a skilled or unskilled provider such as a neighbor or friend, if you are cognitively impaired, and certain services to maintain the home environment.

Assisted Living Facilities/Nursing Home Care - Another choice is care provided in a qualified assisted living facility or a nursing home.

Alternate Care Facilities - This category includes other facilities which have emerged to meet the unique needs of individuals. Alzheimer's facilities, custodial care facilities and other alternatives to qualified nursing facilities are included here.

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