Most policies sold today are comprehensive. They typically allow you to use your daily benefit in a variety of settings, including:

• Your home
• Adult day service centers
• Hospice care
• Respite care
• Assisted living facilities (also called residential care facilities or alternate care facilities)
• Alzheimer's special care facilities
• Nursing homes

In the home setting, comprehensive polices generally cover these services:

• Skilled nursing care
• Occupational, speech, physical, and rehabilitation therapy
• Help with personal care, such as bathing and dressing

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Many policies also cover some homemaker services, such as meal preparation or housekeeping as long as it is in conjunction with the personal care services you receive.