Long term care involves a wide variety of services for people with a prolonged physical illness, disability or cognitive disorder (such as Alzheimer’s disease). Long term care is not one service, but many different services aimed at helping people with chronic conditions compensate for limitations in their ability to function independently.

Nationally, one-third of all nursing home expenses are paid out-of-pocket by individuals and their families, and about half are paid by state Medicaid programs. Long term care expenses are generally not paid for by Medicare, Medicare supplement insurance or the other major medical health insurance provided by most employers. Medicare will cover the cost of some skilled care in approved nursing homes or in your the client's home, but only in certain situations.

Due to these facts, ("A Shopper’s Guide To Long-Term Care Insurance" published by the NAIC) there is a growing interest in determining the appropriate amount and type of coverage that you or your client needs. LIS represents the finest companies and provides the latest and up to date features such as the following: