From Insurance Lounge

Since aging is a gradual process, it’s unlikely that you will suddenly wake up one day needing nursing home care. Instead, most people go through several stages of care; a progression that begins with in-home care and may-or may not-lead to a skilled nursing facility. In between, there are a host of services available to help the policyholder and their family members enjoy as much independence as possible. A quality long-term care insurance policy will take this into account, and be ready to help ease the transition from one stage of care to another.