The long-term care benefit is for the end of life care when you weren't able to take care of yourself any more. It doesn't cover retirement home. If you think it does, you have been lied to by your insurance agent. 长期护理福利是在您无法再照顾自己时提供的临终关怀。 它不包括养老院。 如果您认为是这样,那您就被您的保险代理人骗了。