Which type of insurance policy specifically provides coverage for long-term care services?

Long-term care insurance is specifically designed to cover the costs associated with long-term care services, which may include assistance with daily activities such as bathing, dressing, and eating, as well as care in a nursing home or assisted living facility. This type of insurance addresses the financial implications of needing extended care, which is often not fully covered by traditional health insurance or government programs like Medicare.

Unlike health insurance, which primarily covers medical expenses, or life insurance, which is focused on providing a death benefit to beneficiaries, long-term care insurance is tailored for the unique financial challenges posed by long-term care needs. Additionally, short-term disability insurance is intended to cover a portion of lost income due to a temporary disability, rather than providing coverage for long-term care services.

Thus, long-term care insurance is clearly identified as the policy designed to specifically address the needs for prolonged care services, making it the correct choice in this context.