Coverage aimed at the cost of extended personal care — help with daily living over a long period, whether at home or in a facility. The reason it exists as a separate thing is that most health coverage isn't built for it, which is a gap families usually discover at the worst possible moment.
The Gap It Addresses
People assume health coverage handles this. Generally it isn't designed to cover extended custodial care, and the programs that do step in have their own strict conditions.
So families find out mid-crisis that the cost is theirs, and it arrives at the same time as everything else that's hard.
Why This One Is Hard to Think About
It asks you to plan for a version of yourself you'd rather not picture, and the cost of planning shows up long before any benefit would. That combination makes it the easiest thing in a plan to postpone indefinitely.
The other difficulty is that it often lands on the adult children instead — in time, money, or both. Plenty of families are already living that without having chosen it.
A Conversation, Not a Page
There are several approaches to this and they work quite differently. No products, no figures and no recommendation here — this is squarely a situation-specific decision.
If it's time to look at it honestly for your family, that's worth a conversation, with your CPA and attorney involved where it touches taxes or the estate.
Want a Straight Answer for Your Own Situation?
Thirty minutes, no pitch, no obligation — just a plain look at where you stand.