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Understanding Your Long Term Care Insurance Benefits, Part 6: What Are the Types of Long-Term Care?

The purpose of this video is to discuss the two different types of long-term care:

  1. Home-Based Long Term Care Services
  2. Community-Based Long Term Care Services

This video is part 6 of a video series created to help individuals obtain a better understanding of Long-Term Care Insurance. More specifically, what Long-Term Care is, who needs Long-Term Care, what the types of Long-Term Care are, what Long-Term Care Insurance covers, Considerations, and whether or not someone can still purchase long-term care insurance.

The entire video series can be found here on our YouTube channel:


What are the types of long-term care?

There are two types: 1) Home-based long-term care services and 2) Community-based long-term care services.

When we talk about home-based long-term care services, we're referring to: a) skilled home health, for example, skilled nursing, physical therapy, occupational therapy, and speech therapy, and then b) the non-medical services, such as the personal care services, and homemaker companion care services.

When we talk about community-based long-term care services, we are referring to supervised independent living, CCRCs, and CCRC is an acronym for continuing care retirement community.

At CCRCs, the idea is that an individual can stay in that community, and move within the levels of care at that community. The levels of care include independent living, assisted living, skilled nursing, and memory care.

Also included in community-based long-term care services are assisted living, memory care support, and skilled nursing facilities.

Thank you for watching this video. Make sure you watch the next video as we continue this discussion about long-term care insurance policies.


Home Helpers of Bradenton is one of the region's leading home care franchises specializing in comprehensive services for seniors. Home Helpers' sole mission is to make life easier for clients and their families. Based in Bradenton, Florida, the company serves all of Manatee County, including the communities of Anna Maria, Bradenton, Bradenton Beach, Ellenton, Holmes Beach, Lakewood Ranch, Longboat Key, Palmetto, and Parrish. For more information or to request a free in-home care assessment, contact our office at (941) 499-5946 or visit our website