nursing homes, assisted living, nursing services in the home when the elderly cannot care for themselves anymore and need someone to take care of them. It does not cover medical services just the care of the patient for daily living. It has to be started when they are still relatively in good health, probably not perfect health because not many seniors are in perfect health. If someone is diagnosed with Alzheimer’s or something, it is too late to get the coverage, but if something runs in the family that leaves the person unable to care for themselves, it would be important to have. We think that what my FIL died from is genetic, so my husband has a chance of getting it, so I would get the insurance for him.