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Understanding Your Long Term Care Insurance Benefits, Part 3: What Is Long Term Care?

The purpose of this video is to define "long-term care" and briefly discuss the different types of long-term care and activities of daily living.

This video is part 3 of a video series that has been 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:


Before we talk about insurance, let's make sure we understand what long-term care is. In its simplest terms, it's helping people live independently and as safely as possible wherever they call home. It's also helping with everyday activities, also known as activities of daily living.

I have some examples of activities of daily living listed here, such as bathing, dressing, grooming, using the toilet, eating, and moving around. Just as a side note, in this presentation, when I speak of activities of daily living or ADLs, I'm going to be referring primarily to what long-term care insurance companies describe as ADLs. Certainly, if you were to Google "activities of daily living," you would find definitions for instrumental activities of daily living and basic activities of daily living.

So in this presentation, we will lean more to the basic activities of daily living, which are more in line with what's recognized by the long-term care insurance companies. This is going to become an important distinction when we talk about whether or not it's appropriate to activate a claim with your insurance company.

There are two types of long-term care. One is home-based, and two is community-based, which we will dive into a little more here in a few moments. 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