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  • Definition:An insurance policy that covers benefits for long-term care services people need when they no longer can care for themselves. This may be due to an accident, disability, prolonged illness or the simple process of aging. Long-term care services assist with activities of daily living including:

    * Help at home with day-to-day activities, such as cooking, cleaning, bathing and dressing * Care in the community, such as in an adult day care facility * Supervised care provided in an assisted living facility * Skilled care provided in a nursing home
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