Long-term care insurance is for people who cannot fully care for themselves. They need long-term care that extends beyond time in the hospital. There are two stipulations a person must meet in order to qualify for long-term care insurance. First, the policyholder must be unable to perform “Activities of Daily Living.” These activities include bathing, continence, dressing, eating, toileting and transferring. Second, the policyholder must have some sort of severe cognitive impairment, like Alzheimer’s disease. Other causes of cognitive impairment include accident, prolonged illness, disability or aging. This coverage might also extend to the policyholder’s spouse.