What does long-term care not include?

Long-term care insurance is designed to cover services that help individuals with chronic illnesses or disabilities, particularly those who require assistance with daily activities over an extended period. The services typically included in long-term care would cover things like nursing home care, assisted living facilities, and sometimes in-home care, focusing on custodial or personal care.

Short-term rehabilitation policies, on the other hand, address the needs for a limited duration, often after a medical event like surgery or illness that requires temporary care. These policies do not span the length of time that long-term care generally implies. Thus, short-term rehabilitation is distinctly not part of long-term care, which is intended for more chronic and ongoing needs rather than brief recovery periods.

Medical supplements, disability income protection, and life insurance policies serve different purposes. Medical supplements are designed to fill gaps in health insurance, ensuring that out-of-pocket costs are mitigated. Disability income protection offers a benefit to replace income lost due to inability to work from a disability. Life insurance provides a financial benefit to beneficiaries upon the policyholder's death. Each of these options does not fit into the long-term care category, as they focus on other aspects of health and financial planning rather than ongoing care support for chronic conditions.