As you grow older, everyday tasks—like putting on clothes or standing for extended periods to complete chores—can become more difficult. Over time, you may require nursing care along with home assistance as your health declines. Unfortunately, traditional health insurance or Medicare often covers only a fraction of the costs associated with long-term care. This is where long-term care insurance becomes crucial. It helps offset the expenses of a nursing home, assisted living facility, or other long-term care services. These policies provide coverage for various services that aren’t typically included in standard health insurance, categorized into skilled, intermediate, and custodial care.