Long-Term Care Insurance is a policy that some employees carry to protect themselves against the financial hardships caused by long term health problems. These policies are offered by some employers as optional supplemental insurance that can be added to a health care plan. They cover the medical and non-medical costs of health related problems that extend beyond a standard medical need. Benefits start after a set time of disability following a qualifying event. They may cover lost wages and help workers to maintain their lifestyles while meeting obligations to other family members. Skilled trade professionals that depend on their physical health for employment most commonly benefit from these plans.
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