If you have a long-term care insurance policy, the benefits will be triggered when you begin to need help with activitiesof daily living or have a severe cognitive impairment.

A long-term care insurance policy provides money to help cover the costs of living if you are no longer ableto take care of yourself.

Long-term care insurance is insurance for people who may require long-term health or nursing care, and paysfor things such as nursing homes and adult day care.