Depending upon the type of policy, long-term care insurance can cover any of the following: Care in a Facility that is not an acute-care hospital. Some of the terms used to describe "facilities" that can provide long-term care services include nursing homes, Residential Care Facilities and Residential Care Facilities for the Elderly (sometimes called Assisted Living Facilities), skilled nursing facilities or Intermediate Care Facilities. Long-term care involves the assistance or supervision you may need when you are not able to do some of the basic "activities of daily living" (ADLs) which are, generally, eating, continence, bathing, dressing or moving from a bed to a chair. You might need assistance with ADLs if you suffer from an injury like a broken hip, an illness, a stroke or from advanced age and frailty. Other people may need long-term care because of mental deterioration, called "cognitive impairment" that can be caused by Alzheimer's Disease, other mental illness or brain disorders. Unfortunately, Medicare does not cover Assisted Living in the state of CA, but there are other financial resources available to you. Please contact your nearest Westmont Living community and ask to speak with the Community Relations Director to learn more.