Which of the following is typically included in a long-term care policy?

A long-term care policy is designed to provide coverage for services that assist individuals with chronic illnesses, disabilities, or other conditions that require ongoing care. Coverage for home health care services is a fundamental component of long-term care, as it addresses the needs of individuals who may require assistance with daily living activities while remaining in their own homes. This type of care can include services such as nursing care, physical therapy, or assistance with personal care tasks like bathing and dressing.

Including coverage for home health care services in a long-term care policy is essential because many individuals prefer to receive care in a familiar setting, thus promoting their independence and comfort. This aspect of long-term care is increasingly relevant, particularly as the aging population seeks more options that allow them to maintain their quality of life while requiring assistance.

In contrast, while prescription drug coverage and disability benefits may support health and well-being, they are typically found in separate policies or plans. Life insurance benefits are also not a component of long-term care coverage, as these products serve a different purpose related to providing financial support to beneficiaries upon the policyholder's death.