Does long-term care insurance cover independent living?

Independent living communities are designed as ideal environments for active, healthy seniors who are able to live on their own but want a smaller, more convenient living space. There is a great deal of flexibility in living arrangements in these types of communities, with housing options ranging from homes to condos and apartments. Independent living communities are typically restricted to residents 55 and older and provide certain amenities such as yard maintenance, community activities, golf courses, dining halls, laundry services, healthcare and fitness centers, transportation, and security. While most people living in such communities are healthy and independent, some may hire private caregivers to provide in-home services.

Most independent living communities will not accept long-term care insurance, Medicare, or Medicaid. Personal income is the most common way of funding independent living, and you may also choose to tap into pension payments, annuities, investment retirement accounts, and so on. If you have a long-term care insurance policy and are interested in remaining as independent as possible, you should look into in-home care or an assisted living facility.

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Will long-term care insurance pay for in-home care?

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