Group Long Term Care Insurance:

Care that exceeds a specified period of time. Some insurers define long term in excess of 30 days while others might consider a period in excess of 60 days. Long term care programs generally cover nursing home or other non-hospital benefits. Medical, social, and personal care services, such as nursing home care, home and community based care, hospice care, or respite care, required over a long period of time by a person with a chronic illness or disability.