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What is Long-Term Care Insurance?

Long-term care insurance is a specialized insurance designed to cover the costs associated with nursing homes, assisted living, home health care, and other long-term care services. These services are usually not covered by traditional health insurance or Medicare, making long-term care insurance a critical consideration for those planning for their future health care needs.


Comprehensive Coverage

Most long-term care insurance policies sold today are comprehensive, covering a wide range of care settings and services:


  • In-Home Care: This includes skilled nursing care, occupational, speech, physical, and rehabilitation therapy, as well as help with personal care tasks such as bathing and dressing. Many policies also cover homemaker services like meal preparation and housekeeping.


  • Adult Day Health Care Centers: These facilities provide social and health-related services during the day for adults who need supervision.


  • Hospice Care: Specialized care focused on providing comfort and support for those in the final phase of a terminal illness.


  • Respite Care: Temporary relief for primary caregivers by providing professional care for the loved one.


  • Assisted Living Facilities: Residential care facilities that offer housing, personal care, and health services.


  • Alzheimer's Special Care Facilities: Facilities specifically designed to care for individuals with Alzheimer's disease and other forms of dementia.


  • Nursing Homes: Institutions that provide 24-hour nursing care for those who need significant medical attention and assistance with daily activities.



What Isn't Covered by Long-Term Care Insurance

Like all insurance policies, long-term care insurance has exclusions. These exclusions often adhere to state regulations and can vary from one policy to another. Common exclusions include:


  • Care Provided by a Family Member: Policies typically do not cover care given by family members.


  • Care Provided Outside the USA: Most policies exclude international care, though some offer international care benefits.


  • War-Related Injuries: Care resulting from war or acts of war.


  • Self-Inflicted Injuries: Care resulting from suicide attempts or intentionally self-inflicted injuries.


  • Substance Abuse Treatment: Treatment for alcoholism or drug addiction.


  • Government Facilities: Care provided in government facilities is usually excluded.


  • Services Covered by Other Programs: Services already covered by Medicare, other government programs (except Medicaid), or workers' compensation are not covered.


To understand the specific exclusions of a policy, review the Outline of Coverage provided before applying. This document will detail what is and isn’t covered under the policy.


How AmoryCare Can Help

For those considering long-term care at home, AmoryCare offers comprehensive services tailored to meet individual needs. Contact us to learn more about how we can assist with home care services:



Service Areas:


Union County, NJ: Berkeley Heights, Summit, Linden, Scotch Plains, Westfield, Murray Hill, Plainfield, Mountainside, Garwood, Clark, New Providence, Elizabeth, Roselle Park, Winfield, Kenilworth, Vauxhall, Cranford, Springfield, Union, Fanwood.


Morris County, NJ: Bernardsville, Boonton, Brookside, Budd Lake, Butler, Califon, Cedar Knolls, Chatham, Chester, Denville, Dover, East Hanover, Far Hills, Flanders, Florham Park, Gillette, Greenvillage, Hibernia, Ironia, Kenvil, Lake Hopatcong, Landing, Ledgewood, Lincoln Park, Long Valley, Madison, Mendham, Millington, Montville, Morris Plains, Morristown, Mt. Arlington, Mt. Freedom, Mt. Tabor, Mountain Lakes, Netcong, New Vernon, Newfoundland, Oak Ridge, Parsippany, Pequannock, Picatinny Arsenal, Pine Brook, Pompton Plains, Port Murray, Randolph, Riverdale, Rockaway, Schooley’s Mountain, Stirling, Succasunna, Towaco, Wharton, Whippany.


Essex County, NJ: Livingston, Roseland, Essex Fells, West Orange, South Orange, Short Hills, Millburn, Maplewood, Montclair, Verona, Cedar Grove, Glen Ridge, Bloomfield, Belleville, Nutley, West Caldwell, Fairfield, Irvington, Newark, East Orange.


Bergen County, NJ: Allendale, Alpine, Bergenfield, Bogota, Carlstadt, Cliffside Park, Closter, Cresskill, Demarest, Dumont, East Rutherford, Edgewater, Elmwood Park, Emerson, Englewood, Englewood Cliffs, Fair Lawn, Fairview, Fort Lee, Franklin Lakes, Garfield, Glen Rock, Hackensack (county seat), Harrington Park, Hasbrouck Heights, Haworth, Hillsdale, Ho-Ho-Kus, Leonia, Little Ferry, Lodi, Lyndhurst, Mahwah, Maywood, Midland Park, Montvale, Moonachie, New Milford, North Arlington, Northvale, Norwood, Oakland, Old Tappan, Oradell, Palisades Park, Paramus, Park Ridge, Ramsey, Ridgefield, Ridgefield Park, Ridgewood, River Edge, River Vale, Rochelle Park, Rockleigh, Rutherford, Saddle Brook, Saddle River, South Hackensack, Teaneck, Tenafly, Teterboro, Upper Saddle River, Waldwick, Wallington, Washington Township, Westwood, Wood-Ridge, Woodcliff Lake, and Wyckoff.


Passaic County, NJ: Bloomingdale, Clifton, Haledon, Hawthorne, Little Falls, North Haledon, Passaic, Paterson, Pompton Lakes, Prospect Park, Ringwood, Totowa, Wanaque, Wayne, West Milford, Woodland Park.


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