Can Long-Term Care Insurance help pay for AI tools or smart home technology?

Answer:

Some Long-Term Care Insurance policies may help cover AI-assisted monitoring systems, fall detection devices, medication reminder technology, wandering prevention tools, or other smart home safety systems when they are part of an approved care plan. Policies that include Alternate Plan of Care provisions or cash indemnity benefits may offer families greater flexibility to use benefits for technology that supports aging in place, supervision, and quality care at home. Coverage varies by insurer and policy language, so families should review their policy carefully and speak directly with the insurance company or a licensed LTC Insurance specialist before purchasing technology or filing a claim.