How Does Long Term Care Insurance Work? 
Most Long Term Care Insurance policies pay the insured person a set amount of money , as dictated by the policy they purchased , when the need for long term care arises . There are triggers that determine when payments will start . These include the inability to independently do to or more ADL 's -LRB- activities of daily living such as bathing or dressing -RRB- . Some policies pay the institution providing the care rather than the person receiving the care . Payments are made until the funds or years in the policy run out . 