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6 things long-term care insurance covers that you may not have known about

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Long-term care insurance may cover a wide range of things you didn’t know about. 

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Long-term care insurance is an important product to consider as you plan for your retirement. With most older Americans needing extended care at some point in their golden years, this type of insurance can help ease the financial burden that care represents. And that burden often amounts to tens of thousands of dollars (or more) per year

Most people are probably already aware that long-term care insurance can cover the cost of assisted living communities and nursing homes. But that’s not where the value of this type of insurance stops. In fact, long-term care insurance can cover a wide range of things that you may not have known about. 

Purchase a long-term care insurance policy now to take advantage of a wide range of coverage options

6 things long-term care insurance covers that you may not have known about

“The greatest benefit of long-term care insurance that many don’t realize is flexibility,” explains Jeff Beligotti, vice president and head of long-term care solutions at the insurance company, New York Life. “The flexibility and protection long-term care insurance provides can bring peace of mind and reduce the stress of an already stressful situation.”

But how flexible is long-term care insurance? Here are six things this type of insurance covers that you may not know about: 

Informal caregivers

If you plan on aging at home with the support of your family and friends, your plan includes informal caregivers (caregivers who haven’t likely been formally trained). While some long-term care insurance policies only cover formal caregivers (professional caregiving services), some policies also make it possible to pay your loved ones (and other informal caregivers) for your care

Find out how affordable long-term care insurance can be today

Home renovations

“Some long-term care policies will cover the cost of home modifications that can accommodate disabilities,” explains Justin Stivers, financial advisor and founding attorney at the estate planning law firm, Stivers Law. 

For example, if you’re unable to traverse stairs, your long-term care insurance policy may pay for the installation of a ramp that leads to your front door or a wheelchair lift that makes it possible for you to enjoy the second story of your home. 

Therapies not typically covered by health insurance

Long-term care insurance may also cover the cost of alternative therapy options that aren’t typically covered as part of a health insurance policy. “This may include acupuncture, massage therapy and other holistic approaches,” says Stivers.

Transportation services

If you need help getting back and forth to your doctor, therapist or other places of care, a long-term care insurance policy could help with the trip. “Long-term care may cover transport services that take you to and from,” medical appointments and other destinations, Stivers says.

A death benefit

Long-term care insurance can provide benefits beyond your care. For example, some policies may come with a death benefit that’s paid to your beneficiaries when you die. These policies, known as linked-benefit long-term care insurance policies, give you long-term care insurance coverage should you need it and a death benefit if you don’t.

And, this isn’t a one or the other concept. With some linked-benefit long-term care insurance policies, you may be able to use a portion of your benefit for care and leave a portion of your benefit behind as a death benefit for those you love when you die. 

Cash benefits

“Long-term care cash benefits policies can provide a monthly cash benefit that may be used for any purpose,” says Stivers. “The flexibility allows policyholders to use funds for household expenses, travel, groceries, etc.”

So, this cash benefit can make it possible for you to hire a landscaping company when you’re not able to maintain your lawn anymore or hire a maid from time to time to help keep your house clean, or cover any of an unlimited number of potential expenses later in life. 

The bottom line

Long-term care insurance isn’t just a product that can help you cover the cost of a nursing home or assisted living facility. There are several lesser-known benefits of long-term care insurance, too.

Some policies may cover the cost of informal caregivers like your family and friends, home renovations and therapies not typically covered by health insurance. You may also be able to use your policy to pay for transportation services or, if it’s a cash-benefit policy, a wide range of other expenses. And, long-term care insurance can even come with a death benefit. 

However, it’s important to remember that not all long-term care insurance policies are identical. Some will have strict coverage requirements while others will be more flexible. So, it’s important to make sure you understand what’s covered as part of a specific long-term care insurance policy before you purchase it. 



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Social Security Fairness Act passes U.S. Senate

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Legislation to expand Social Security benefits to millions of Americans passed the U.S. Senate early Saturday and is now headed to the desk of President Joe Biden, who is expected to sign the measure into law.

Senators voted 76-20 for the Social Security Fairness Act, which would eliminate two federal policies that prevent nearly 3 million people, including police officers, firefighters, postal workers, teachers and others with a public pension, from collecting their full Social Security benefits. The legislation has been decades in the making, as the Senate held its first hearings into the policies in 2003. 

“The Senate finally corrects a 50-year mistake,” proclaimed Senate Majority Leader Chuck Schumer, a Democrat from New York, after senators approved the legislation at 12:15 a.m. Saturday.

The bill’s passage is “a monumental victory for millions of public service workers who have been denied the full benefits they’ve rightfully earned,” said Shannon Benton, executive director for the Senior Citizens League, which advocates for retirees and which has long pushed for the expansion of Social Security benefits. “This legislation finally restores fairness to the system and ensures the hard work of teachers, first responders and countless public employees is truly recognized.”

The vote came down to the wire, as the Senate looked to wrap up its current session. Senators rejected four amendments and a budgetary point of order late Friday night that would have derailed the measure, given the small window of time left to pass it. 


Some seniors shut out of full Social Security benefits

02:20

Vice President-elect JD Vance of Ohio was among the 24 Republican senators to join 49 Democrats to advance the measure in an initial procedural vote that took place Wednesday.

“Social Security is a bedrock of our middle class. You pay into it for 40 quarters, you earned it, it should be there when you retire,” Ohio Senator Sherrod Brown, a Democrat who lost his seat in the November election, told the chamber ahead of Wednesday’s vote. “All these workers are asking for is for what they earned.” 

What is the Social Security Fairness Act?

The Social Security Fairness Act would repeal two federal policies — the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) — that reduce Social Security payments to nearly 3 million retirees. 

That includes those who also collect pensions from state and federal jobs that aren’t covered by Social Security, including teachers, police officers and U.S. postal workers. The bill would also end a second provision that reduces Social Security benefits for those workers’ surviving spouses and family members. The WEP impacts about 2 million Social Security beneficiaries and the GPO nearly 800,000 retirees.

The measure, which passed the House in November, had 62 cosponsors when it was introduced in the Senate last year. Yet the bill’s bipartisan support eroded in recent days, with some Republican lawmakers voicing doubts due to its cost. According to the Congressional Budget Office, the proposed legislation would add a projected $195 billion to federal deficits over a decade. 

Without Senate approval, the bill’s fate would have ended with the current session of Congress and would have needed to be re-introduced in the next Congress. 



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Saturday is the winter solstice and 2024’s shortest day. Here’s what to know about the official start of winter.

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The 2024 winter solstice, the shortest day of the year, happens on Saturday, Dec. 21, in the Northern Hemisphere. The celestial event signifies the first day of winter, astronomically. 

What is the winter solstice?

The winter solstice is the day each year that has the shortest period of daylight between sunrise and sunset, and therefore the longest night. It happens when the sun is directly above the Tropic of Capricorn, a line of latitude that circles the globe south of the equator, the National Weather Service explains. 

The farther north you are, the shorter the day will be, and in the Arctic Circle, the sun won’t rise at all. 

How is the day of the winter solstice determined?

The winter solstice occurs because of the Earth’s tilt as it rotates around the sun. 

When the Northern Hemisphere tilts away from the sun, the nights last longer. The longest night happens on the solstice because the hemisphere is in its furthest position from the sun. That occurs each year on Dec. 21 or 22. 

This year, it falls on Dec. 21 at 4:21 a.m ET, to be precise.

On the summer solstice, when the northern tilt is closest to the sun, we have the longest day, usually June 20 or 21.

Illustration of the Earth's tilt in different seasons
This illustration from the National Weather Service shows the tilt and rotation of the Earth on the winter and summer solstices, as well as the autumnal and vernal equinox marking the beginning of fall and spring.

National Weather Service


The solstices are not always exactly on the 21st every year because the earth’s rotation around the sun is 365.25 days, instead of 365 even. 

Will days start getting longer after the winter solstice?

Yes. Each day after the solstice, we get one minute more of sunlight. It doesn’t sound like much, but after just two months, or around 60 days, we’ll be seeing about an hour more of sunlight. 

When will winter officially be over in 2025?

The meteorological winter ends on March 20, 2025. Then, spring will last until June 20, when the summer solstice arrives. 

How is the winter solstice celebrated around the world?

Nations and cultures around the world have celebrated the solstice since ancient times with varying rituals and traditions. The influence of those solstice traditions can still be seen in our celebrations of holidays like Christmas and Hanukkah, Britannica notes.

The ancient Roman Saturnalia festival celebrated the end of the planting season and has close ties with modern-day Christmas. It honored Saturn, the god of harvest and farming. The multiple-day affair had lots of food, games and celebrations. Presents were given to children and the poor, and slaves were allowed to stop working. 

Gatherings are held every year at Stonehenge, a monumental circle of massive stones in England that dates back about 5,000 years. The origins of Stonehenge are shrouded in mystery, but it was built to align with the sun on solstice days

Winter Solstice at Stonehenge
People gather at sunrise for the winter solstice celebrations at the Stonehenge prehistoric monument on Salisbury Plain in Wiltshire, England, on Dec. 22, 2021.

Andrew Matthews/PA Images via Getty Images


The Hopi, a Native American tribe in the northern Arizona area, celebrate the winter solstice with dancing, purification and sometimes gift-giving. A sacred ritual known as the Soyal Ceremony marks the annual milestone.

In Peru, people honor the return of the sun god on the winter solstice. The ancient tradition would be to hold sacrificial ceremonies, but today, people hold mock sacrifices to celebrate. Because Peru is in the Southern Hemisphere, their winter solstice happens in June, when the Northern Hemisphere is marking its summer solstice.

Scandinavia celebrates St. Lucia’s Day, a festival of lights. 

The “arrival of winter,” or Dong Zhi, is a Chinese festival where family gathers to celebrate the year so far. Traditional foods include tang yuan, sweet rice balls with a black sesame filling. It’s believed to have its origins in post-harvest celebrations. 

Researchers stationed in in Antarctica even have their own traditions, which may include an icy plunge into the polar waters. They celebrate “midwinter” with festive meals, movies and sometimes homemade gifts.



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