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Long term care insurance covers the cost of care that a disabled person requires.This include payments for nursing care and rehabilitation. Although some believe that health care insurance should cover these costs, in reality the cover provided by LTC insurance is not available in a health insurance policy. LTC policies are important as the population ages and LTC insurers are set to benefit for the expected increase in demand for LTC insurance. To apply for a LTC policy the insurer will underwrite based on information provided by the applicant. Once accepted a premium payment will be required to secure the cover. A daily limit on the amount of expense that can be reimbursed is set out in the policy conditions. Decide on the level of cover required by considering the realistic living cost of the city that you are living in.