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Does CNA Long-Term Care Insurance Include Coverage for Assisted Living?
Date Updated: July 26, 2024
Written by:
Rachel Lustbader is a writer and editor with a background in healthcare and technology. Her work has been published on websites including HealthCare.com, BiteSizeBio.com, BetterHelp.com, Caring.com, and PayingforSeniorCare.com. She studied health science and public health at Boston University.
Both of Rachel’s grandmothers had very positive experiences in senior living communities, and Rachel saw firsthand the impact that kind, committed caregivers and community managers can have on seniors’ and their family members’ lives. With her work at Caring, Rachel hopes to help other families find communities, caregivers, and at-home products that benefit elderly loved ones and make life less stressful for family caregivers
CNA long-term care insurance explained
CNA provides standard and specialized insurance products for businesses and professionals across the United States, Canada and Europe. Its long-term care insurance policies help individuals access needed services and support when they can’t perform daily living activities on their own. Long-term care refers to a range of services, including assisted living, nursing homes, in-home care and adult day care.
Long-term care options carry high costs. The average American pays an annual median rate of $54,000 for assisted living, according to the 2021 Genworth Cost of Care Survey. This rate includes room and board, meals and some assistance with personal care tasks. However, those needing extensive daily living support and medical care may incur additional fees. Long-term care insurance aims to alleviate the financial burden of paying for care, providing peace of mind to individuals seeking support.
What assisted living services does CNA long-term care insurance cover?
CNA long-term care insurance covers a range of assisted living services, depending on the policy type. The company offers traditional and hybrid policies. Traditional long-term care insurance involves paying premiums and making claims when you need covered services. Hybrid policies combine long-term care coverage with other benefits, such as life insurance.
Benefits become available once you can no longer perform a set number of daily living activities, including bathing, dressing or eating. Assisted living services that qualify for long-term care insurance include:
- Room and board
- Assistance with daily living activities
- Mobility and transportation services
- Daily meals and nutrition support
- Housekeeping and laundry services
- Limited skilled nursing care
- Physical, speech or occupational therapy
- Medication management and administration
Check your policy or contact CNA directly to explore a full list of covered services and any limitations or restrictions that apply.