In which type of policy is respite care coverage typically found?

Respite care coverage is typically found in long-term care policies. These policies are designed to provide coverage for services that assist individuals who can no longer care for themselves due to chronic illness, disability, or cognitive impairment. Respite care specifically refers to short-term relief for primary caregivers by providing temporary care for the individual in need.

Long-term care policies often include various options for support, including in-home care, adult day care, and respite care, allowing caregivers a break while ensuring their loved ones continue to receive adequate care. This feature emphasizes the focus of long-term care insurance on the needs of both the individual receiving care and their caregivers, making it distinct from other types of life insurance policies that do not address these specific assistance and care needs.