There are over 2.6 million group long-term care, or LTC, certificate holders in the U.S. Many of those insured believe that they have comprehensive LTC coverage that covers many types of long-term health care costs.

There are significant limitations under most group LTC coverage that may come as a surprise when one files a claim.

In general, group contracts don’t cover the cost of care for assistance with activities of daily living, or ADLs. The six ADLs include, eating, bathing, dressing, toileting, transferring and continence. ADL assistance is the major component of home health care.

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