What does long-term care insurance cover?

Long-term care insurance is specifically designed to provide financial assistance for individuals who require support due to chronic illnesses, disabilities, or the aging process that limits their ability to perform essential daily activities. This type of insurance primarily covers the costs associated with extended nursing care, whether that care is provided in a nursing home, assisted living facility, or even at home.

The focus of long-term care insurance is on the services and facilities that assist individuals who cannot care for themselves independently, making option C the correct answer. This insurance helps pay for the services that are not typically covered by regular health insurance or Medicare, such as personal care services, help with bathing, dressing, and other daily activities.

Options like expenses for short hospital stays or funeral expenses do not align with the primary purpose of long-term care insurance, as they pertain to different areas of health management and end-of-life planning. Additionally, while costs related to living independently might be a consideration, they typically fall outside the scope of what long-term care insurance is intended to cover. This makes the choice regarding payment for extended nursing care the most accurate representation of the purpose of long-term care insurance.