Long-term care insurance is like having a safety net for your future needs. It's there to help cover the costs of long-term care, which includes support for daily activities like bathing, dressing, and eating, especially if you're facing challenges due to aging, illness, disability, or cognitive impairments.

This type of care can take various forms, from nursing home assistance to in-home support and more. Long-term care insurance steps in to ease the financial burden by covering some or all of these services, depending on your policy's specifics. But before you decide, it's crucial to understand what's covered, any waiting periods, and if there are any exceptions. That way, you can make the best choice for your needs and peace of mind.