Long-term care insurance can be an effective tool for protecting your assets and estate from the high costs of senior care. Personal health insurance does not cover the cost of any type of long-term care, and Medicare pays for only a small percentage of skilled nursing care and home health care and nothing for the cost of assisted living, adult family homes, and adult day care. People who need care are responsible for paying the costs personally or with a long-term care insurance policy. Long-term care insurance policies take effect when an individual is unable to perform activities of daily living or becomes cognitively impaired from dementia or related illnesses. There are several types of long-term care policies to consider. We can help you determine what the best option for you will be.