Assisted living facility is a residential care setting that provides housing, meals, supervision, and assistance with activities of daily living such as bathing, dressing, and medication management, but not the intensive medical services of a skilled nursing facility. Residents typically have their own apartments or rooms and share communal dining, social activities, and housekeeping services. For insurance and LTC purposes, assisted living facilities must usually meet state licensure requirements and policy definitions to qualify for reimbursement. As people age, assisted living can serve as an intermediate step between independent living and full nursing home care, supporting safety and quality of life while preserving a degree of independence.

Advisors discuss assisted living facilities when helping clients envision real'world long'term care scenarios and costs. They may reference local facilities, typical monthly rates, and what services are included or billed separately. When LTC or hybrid policies are in force, claims teams verify that an assisted living facility meets the policyTMs definition of an eligible provider, often checking licensure and care levels. Families rely on advisors and care coordinators to understand how benefits will apply to assisted living versus home care or nursing home care. Understanding assisted living facilities enables advisors to ground abstract LTC discussions in familiar, practical care environments clients are likely to encounter.