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It usually provides you payouts in the event you wind up getting cognitive impairment (like dementia or Alzheimer's) or in the event you physically can no longer carry out some particular "activities of every day living" by yourself. We're speaking about feeding your self, bathing your self, and so on.

For instance, the policy can spend for somebody who stops by the home to get a couple of hours each day or perhaps a couple of days per week. Or it could assist using the price of a senior day-care facility, an assisted care set-up or full-fledged nursing house care.

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