Does Long Term Care Insurance Pay For Nursing Home? 
Yes , Long Term Care Insurance can pay for nursing home expenses , or for extended care offered by assisted living , or even in home services , in some situations . Long Term Care Insurance kicks in when the insured person meets certain triggers -LRB- inability to do two or more activities of daily living such as showering or dressing without assistance , cognitive impairment , and/or the care is ordered by a doctor -RRB- . Payments can go directly to the nursing home or place providing that care , or the payment can go to the insured person , who in turn pays the source of his/her care . 