What Types of Care Are Covered by Long-Term Care Insurance?
Learn how long-term care insurance supports different levels of care, from in-home help to facility-based services
Long-term care insurance is designed to provide financial support if you lose the ability to live independently due to age, illness, or cognitive decline. But not all policies cover the same types of care, and knowing what is included can help you choose a plan that fits your needs and preferences.
The goal of this insurance is to give you access to essential care services without depleting your savings or relying entirely on government programs. Understanding your coverage options can also help you make more informed decisions about where and how you receive care.
Core Categories of Covered Care
Most long-term care policies in Canada are designed to pay a benefit when you need help with “activities of daily living” such as dressing, bathing, toileting, transferring, eating, or continence. Once eligible, you may receive benefits for a wide range of care settings, including:
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Home-based care
Services provided by personal support workers, nurses, or rehabilitation therapists in your own home. This is often the preferred option for those who want to age in place. -
Assisted living facilities
Residential communities that offer housing, meals, supervision, and some personal care assistance in a semi-independent environment. -
Nursing homes or long-term care facilities
For individuals who require 24-hour supervision or medical attention. These facilities often serve those with advanced cognitive decline or serious mobility issues. -
Adult day programs
Structured daytime services for individuals with health or mobility challenges, providing relief for family caregivers. -
Respite care
Temporary care services that allow family caregivers to take a break. Coverage depends on the policy’s structure and whether it supports short-term stays.
Tip: Look for a policy that allows flexible use of benefits across care settings. You may start with home care and later transition to facility-based support.
Common Services Covered
| Care Type | Examples of Services Covered |
|---|---|
| Home care | Bathing, dressing, toileting, feeding, medication management |
| Skilled nursing care | Injections, wound care, monitoring of medical conditions |
| Physical or occupational therapy | Exercises, mobility training, recovery from stroke or injury |
| Memory care support | Supervision and activities for those with dementia or Alzheimer’s |
| Meal services and housekeeping | Light cleaning, laundry, meal preparation |
The services covered will depend on whether your policy pays as a reimbursement or income-style benefit. Reimbursement plans may require receipts and provider details, while income-style plans provide a fixed amount regardless of actual care expenses.
Caution: Some policies limit which types of caregivers are eligible. For example, care provided by a family member may not qualify unless that person is licensed or certified.
Care That May Not Be Covered
Most policies do not pay for:
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General living expenses unrelated to care
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Cosmetic procedures or non-essential medical services
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Services received outside Canada (unless specifically included)
Some plans also limit coverage for temporary recovery care after surgeries unless the condition qualifies under the policy’s definitions.
How to Match Coverage to Your Preferences
When selecting long-term care insurance, consider the type of care you would want — and where you would want to receive it. Think about your living arrangements, family support, and proximity to facilities. A flexible policy allows you to adapt your care plan as your needs change over time.