Home / Paying for a nursing home / Questions

Does long-term care insurance cover nursing homes?

Short answer

Usually yes, depending on the policy’s benefits, waiting period and daily limits. Check the policy and file a claim early.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

Medicare.gov: skilled nursing facility caremedicare.gov
Medicaid.gov: long-term services and supportsmedicaid.gov
VA: pension and aid for veteransva.gov
Eldercare Locatoreldercare.acl.gov